Huntington Bank Review: A Wide Range of Offerings and Hundreds of Branch Locations

GOBankingRates Score

Quick Take: Huntington Bank offers a wide selection of financial products and services to customers in its service area, but it doesn't pay competitive interest rates on its deposit accounts.
  • Breadth of Products
  • APYs
  • Customer Service
  • Fees
How did we calculate this?


  • Strong lineup of products
  • Decent branch network for a regional bank
  • Three checking account options


  • Low annual percentage yields
  • High minimums to avoid fees on some accounts

Overview of Huntington Bank

Huntington Bank is a full-service bank owned by Columbus, Ohio-based Huntington Bancshares Inc., with a regional focus that primarily serves customers in the Midwest. It was founded in 1866 as The Huntington National Bank and still operates from the same founding location. In June 2021, TCF National Bank joined The Huntington National Bank, and the combined company has about $175 billion in assets, $142 billion in deposits and $116 billion in loans.

Huntington operates across an 11-state area that includes Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, South Dakota and West Virginia. It serves customers through a network of more than 1,100 full-service branches, including 11 Private Client Group offices, and over 1,700 ATM locations. 

GOBankingRates named Huntington Bank in its annual rankings as having one of the Best Checking Accounts of 2022, as well as making the list of the Best Regional Banks and Top 100 Banks of 2022.

Huntington Bank Product Details

Here’s a closer look at the various products and offerings from Huntington Bank.

Huntington Bank Checking Accounts

Huntington Bank offers three primary checking accounts that are tailored to meet specific goals: Huntington 25 Checking, Huntington 5 Checking and Asterisk-Free Checking, as well as a Student Checking account. All three primary accounts come with free checks, but Asterisk-Free is the only one with a $0 monthly maintenance fee. None of the accounts have a minimum opening deposit requirement. Huntington 25 and Huntington 5 both pay interest, but the annual percentage yield will vary and might be a better rate if you also have a Relationship Money Market Account or Relationship Savings Account. 

Huntington 25 Checking is a high-yield checking account that has a $25 monthly fee, but you can avoid this fee when your Total Relationship Balance is at least $25,000. All non-Huntington ATM withdrawal fees will be waived with this account, and Huntington Bank will reimburse you for cash withdrawal fees charged by owners of a non-Huntington ATM. 

Huntington 5 Checking has a $5 monthly fee that is waived each statement period where your Total Relationship Balance is at least $5,000. Up to five non-Huntington ATM withdrawal fees are waived per statement. After that, the fee is $3 per withdrawal.

Asterisk-Free Checking is a simple and inexpensive option if you don’t want to pay a monthly maintenance fee. There is a $3 charge for each non-Huntington ATM transaction, plus any fees charged by the ATM owner. The Asterisk-Free Checking account is one of the reasons why Huntington Bank was named as having one of the Best Checking Accounts of 2022 by GOBankingRates.

Huntington Bank Savings Accounts

You get two savings account choices at Huntington: Relationship Savings and Premier Savings. Both carry monthly maintenance fees that can be waived, and neither has a minimum opening deposit requirement. Huntington Relationship Savings provides a relationship rate when you also have a Huntington 5 or Huntington 25checking account.

Relationship Savings carries a $10 monthly fee that can be waived with either an average daily balance of $2,500 or when you have a Huntington 5 or Huntington 25 checking account.  Rates are based on banking relationships. The non-relationship APY is 0.01% across all balances. The APY is 0.02% if you have a Huntington 5 or Huntington 25 checking account, and 0.06% if you have a Private Client account. 

Premier Savings has a $4 monthly fee that is waived if you have an average daily balance of $300 or when you also own a Huntington Asterisk-Free checking account. The APY for Premier Savings is 0.01%.

Huntington Bank Money Market Account

Huntington Bank has a single money market account, called Relationship MMA, that requires you to have a balance of at least $25,000 to earn interest. The $25 monthly service fee of can be waived with an average daily balance of $25,000 or when linked to a Huntington 5 or 25 checking account. The APY for Relationship MMA is 0.05% unless you have a Private Client Account, which pays an APY of 0.06%. 

Huntington Bank CD Accounts

Huntington Bank has two certificate of deposit options: Fixed-Rate CDs that have a $1,000 minimum to open and Jumbo Fixed-Rate CDs with a $100,000 minimum to open. Terms are one month to six years for the Fixed-Rate CDs and seven days to five years for Jumbo Fixed-Rate CDs. The APYs for both types of CDs range from 0.01% to 0.03%, with higher balances earning the higher rates. 

How Huntington Bank Earned Its Scores

Here’s how GOBankingRates reviewed several top features of Huntington Bank to calculate the overall score.

Breadth of Products

This is where Huntington Bank truly shines – the selection of products it offers. In addition to several checking and savings account choices, the bank offers money market accounts, CDs, mortgage banking services, treasury management and foreign exchange services, wealth and investment management services trust services brokerage services and customized insurance brokerage programs.


On the other end of the spectrum, Huntington Bank is not the place to go if you are looking for a robust return on your money. Unless you have a Private Client account, you won’t earn more than a 0.02% APY on savings accounts. The Relationship Money Market account is a little better, paying up to 0.05% APY, but CDs top out at 0.03%.

Customer Service

Huntington Bank’s customer service page is dedicated to answering questions and helping you understand its products and services, with the option of asking questions on the bank’s Facebook and Twitter accounts. If you want to speak to a live person, the general customer service line is open seven days a week, 13 hours a day, so you have plentiful access to an agent. 


Asterisk-Free Checking has no monthly service fee, but you will have to pay fees with the other two checking options unless you keep a fairly large balance in your account. The savings account fees can be waived by opening one of the bank’s checking accounts, but the Relationship Money Market account requires a large balance to waive the fee.

Editor’s Favorite

The range of products and services is unquestionably Huntington Bank’s biggest drawing card. Even though Huntington is a regional bank, you have access to all the accounts you’ll find at big national banks.

 Huntington Bank vs. Competitors

Before choosing a bank, it helps to know how it compares to others in the industry. Here is how Huntington stacks up against some of its competitors.

Bank Best For
Huntington Bank Broad account options for customers in its service area
Bank of America Slightly higher savings rates
Chase Bank Large national branch network
Regions Bank Bonuses and rewards for customers in the South and Midwest

Huntington Bank vs. Bank of America

Bank of America won’t win any awards for offering a top APY of 0.04% on its savings accounts, but it’s still higher than Huntington Bank’s 0.01% APY on Premier Savings and 0.02% APY on Relationship Savings. Huntington gets the edge for offering at least one completely fee-free checking account, which Bank of America doesn’t offer.

Huntington Bank vs. Chase Bank

Chase Bank offers more than 4,700 branches in the U.S. alone, which is more than four times as many as Huntington Bank. But even with its low 0.02% APY on Relationship Savings, Huntington wins out over Chase’s 0.01% savings APY.

Huntington Bank vs. Regions Bank

Regions Bank offers incentives like an annual savings bonus, which is something you won’t find at Huntington. But unlike Huntington, Regions doesn’t offer any completely fee-free options on its primary checking accounts.

Final Take

Huntington Bank is worth considering if you live in its service area and are looking for numerous accounts and services within one bank, along with access to hundreds of branch locations. The main downside is that you won’t get high APYs on deposit accounts.

Huntington Bank FAQ

Here are the answers to some of the most frequently asked questions about Huntington Bank.
  • Is Huntington Bank FDIC insured?
    • Yes, Huntington is protected by the Federal Deposit Insurance Corporations for up to $250,000 per depositor.
  • Can you use Zelle with Huntington Bank?
    • Yes, you can send money with Zelle on the Huntington Bank mobile app.
  • Who is Huntington Bank owned by?
    • Huntington Bank is owned by Huntington Bancshares Inc., a bank holding company headquartered in Columbus, Ohio.

Vance Cariaga contributed to the reporting for this article.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 11, 2022. 

Editorial Note: This content is not provided by Huntington Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Huntington Bank.

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About the Author

Claire Tak is a content strategist and writer with a background in financial technology. Her work has appeared on major publications including FOX Business, Bloomberg and Forbes. She admits to an unhealthy addiction to snowboarding and when she's not working she's planning for her next trip. You can see her shenanigans on Claire's Holiday.

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