Huntington Bank Checking Account Review

Check out three bank account options for your needs.

Huntington Bank has branches in a small territory spanning Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia and Wisconsin, but it still manages to offer a variety of checking accounts — three different kinds that might fit your various needs.

For those looking to bank in one of those states, read on if you want to consider the bank account options at Huntington Bank.

Huntington Bank Checking Account Review

What is a checking account like at Huntington? This financial institution’s three options range from a basic account to one that appeals to those who can deposit enough money to earn the highest interest rate.

Asterisk-Free Checking

This Huntington Bank checking account is free to open, with no minimum balance requirement and no monthly maintenance fees. The asterisk-free moniker refers to the fact that there are no hidden stipulations. You also get overdraft protection with no transfer fee if you participate in the deposit-to-deposit overdraft plan.

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Huntington 5 Checking

This Huntington checking account offers bonuses based on how much business you do with Huntington Bank. The interest rate starts at 0.15% APR, and if you have a Huntington Bank savings or Money Market account, it gets a 0.10 percent interest rate boost. You also get a 10 percent cash rewards bonus if you have a linked Voice rewards credit card.

This account has a minimum balance requirement of $5,000 across all eligible Huntington Bank accounts. If you fall below it, you pay a $5 monthly maintenance fee. ATM transactions at non-Huntington Bank machines carry a $3 fee, but they’re waived for your first five cash withdrawals each month.

Huntington 25 Checking

This Huntington Bank checking account is the highest yield personal checking account offered by Huntington. You earn 0.25% APR on your checking account balance and get a 0.15 percent interest rate boost to your savings or Money Market account. You also get a 10 percent cash rewards bonus on a linked Voice rewards credit card. This account provides free checks and reimbursement of fees from non-Huntington Bank ATM transactions. You don’t pay a monthly maintenance fee as long as your balance across all eligible Huntington Bank accounts is at least $25,000.

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Read: How to Open a Checking Account

Pros and Cons of Huntington Bank Checking Accounts

In order to decide if a Huntington Bank checking account is right for you, you’ll want to know the pros and cons:


  • You can sign up for alerts to prevent overdrafts and have a 24-hour grace period to deposit the funds.
  • Huntington Bank has over 1,000 branches and over 1,800 ATMs.
  • The deposit day ends at midnight, so you don’t have to worry about making transactions by a specific cutoff time.
  • Huntington Bank online services allow you to bank from your computer and smartphone.
  • All Huntington Bank checking accounts qualify you for a $250 discount on mortgage closing costs.


  • The fee for overdrafts and returned items is $37.50.
  • Free ATM transactions are limited unless you have the Huntington 25 checking account.

Find Out: Best Checking Account Interest Rates in Every State

Huntington Bank Products and Services

More From Your Money

The three Huntington Bank checking account options provide a product for everyone, whether you want to maximize your interest or just need a cheap, simple bank account. The bank has helpful services, too, like low-balance text and email alerts and a 24-hour grace period on all Huntington Bank checking accounts to help you avoid overdrafts. You have until midnight of the next business day to make a deposit or transfer enough funds to bring your account back to a positive balance.

You can also link a savings or Money Market account to make it easy to transfer money to your Huntington Bank checking account. You don’t pay a transfer fee when you shift funds to checking to cover a deficit.

Related: Here’s Your Huntington Bank Routing Number

Should You Bank at Huntington Bank?

If you live near one of the Huntington Bank locations and are looking for a free checking account, Asterisk-Free Checking is worth consideration. A Huntington Bank checking account is especially good for people who occasionally have an overdraft because of the 24-hour grace period. The bank is worth consideration when you’re shopping around for a new checking account. Read Huntington Bank reviews and decide if it can meet your personal banking needs.

Up Next: Huntington Bank Savings Account Review

About the Author

Barb Nefer

Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She's a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like, CBS Local,, WebPsychology, and Animal Wellness magazine.

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