Huntington Bank is a full-service banking provider headquartered in Columbus, Ohio. Founded in 1866, Huntington now operates more than 1,000 branches across 14 states, primarily in the Great Lakes and Midwest regions.
Huntington Bank offers virtually every bank account type you’ll need—from checking and savings to money markets, certificates of deposit (CDs), personal loans, and more. Here’s what you need to know to squeeze the most value from a relationship with Huntington Bank.
All rates and fees are current as of Dec. 17, 2025, and are subject to change.
Huntington Bank at a Glance
Huntington Bank
| Checking accounts: | Starting at $0 per month |
| Savings accounts: | Open with as little as $50 |
| Money market accounts (MMAs): | Open with as little as $0 |
| Certificate of deposit (CD) rates: | Earn up to 4.00% APY (varies by location) |
at MoneyLion
- Year Founded: 1886
- Company Headquarters: Columbus, OH
- CEO: Stephen Steinour
Who is Huntington Bank good for?
Huntington Bank could be a great option for anyone looking to keep all deposit accounts and other banking needs under one roof, as it offers a wide range of products and services. The bank also frequently offers intro bonuses for opening one of its eligible checking accounts.
Who shouldn’t use Huntington Bank?
Huntington Bank isn’t ideal for those that live outside of the 14 states where its branches are located—namely, Ohio, North Carolina, South Carolina, Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, Texas, West Virginia, and Wisconsin.
The reason is that its banking services aren’t open to those outside of these states. And some account types, such as CDs, must be opened-in branch.
Pros
- Excellent variety of products and services
- Customer-friendly overdraft fee policies
- Regularly offers new account sign-up bonuses
Cons
- Banking products are only available in 14 states
- Savings rates on some accounts are quite low compared to competitors
- Relatively few competitive CD options
Huntington Bank rates and products
Huntington Bank has a wide range of deposit accounts. It offers four different checking accounts, two of which are free. The bank also has two savings accounts, three MMAs, and standard and jumbo fixed-rate CDs.
Checking accounts
Huntington Bank offers an impressive four checking accounts. Two are free checking accounts, and two have monthly fees avoidable with qualifying activity. Huntington also offers an additional account option for teens to help them learn about money and budgeting.
Checking accounts come with helpful overdraft features called “$50 Safety Zone” and “24-Hour Grace.” In short, if you overdraw by $50 or less, you shouldn’t get dinged with an overdraft fee. And even if you overdraft by more than $50, you’ll have 24 hours to fix the issue before you’re charged a fee.
Huntington also gives you access to Early Pay, with direct-deposited payroll available up to two days early.
Huntington Bank Perks Checking Account
- Welcome bonus: $400 (expires Jan. 15, 2026)
- Terms apply. Open and receive $500 or more in new money from qualifying direct deposits within 90 days of the account opening. Keep account open for 90 days.
- Minimum deposit: $0
- Monthly fee: $10 , waivable with one of the following:
- $1,000 in total monthly deposits
- $5,000 in total relationship balances
- Top APY: 0.02%
- Overdraft fees: $15
- Checks: Yes
- ATM withdrawals: 5 free non-Huntington withdrawals each statement cycle (then $3.50)
Huntington Bank Asterisk-Free Checking Account
- Welcome bonus: None
- Minimum deposit: $0
- Monthly fee: $0
- Top APY: N/A
- Overdraft fees: $15
- Checks: Yes
- ATM withdrawals: $3.50 from non-Huntington ATMs
Huntington Bank Platinum Perks Checking Account
- Welcome bonus: $600 (expires Jan. 15, 2026)
- Terms apply. Open and deposit $25,000 or more in new money within 90 days. Keep account open for 90 days.
- Minimum deposit: $0
- Monthly fee: $25 , waivable with:
- $25,000 in total relationship balances
- Top APY: 0.03%
- Overdraft fees: $15
- Checks: Yes
- Special features
- Free checks
- Mortgage relationship discounts
- HELOC discounts
- Investment relationship discounts
Huntington Bank SmartInvest Checking Account
- Welcome bonus: None
- Minimum deposit: $0 (but you must have $100,000 in total relationship balances and own a managed investment account—other than annuities—through Huntington Bank or the Huntington Investment Company)
- Monthly fee: $0
- Top APY: See banker
- Overdraft fees: None
- Checks: Yes
Bank details checked Dec. 17, 2025.
Savings account
Huntington Bank offers two savings accounts: a Premier Savings Account (offering minimal APY) and a Relationship Savings (with competitive APY).
The latter is a decent option for those on the hunt for a respectable high-yield savings account. Savers can earn up to a 3.29% APY for balances between $5,000 and $2 million (though you must have a Huntington Perks Checking account for that top rate, otherwise the APY is 3.24%).
Huntington Bank Premier Savings Account
- Minimum deposit: $50
- Monthly fee: $4, waivable with one of the following:
- $300 average daily balance
- Have a Huntington Bank personal checking account
- Top APY: 0.01%
- International transaction fee: 3%
- Monthly transaction limitations: 6 transactions per statement cycle
Huntington Bank Relationship Savings Account
- Minimum deposit: $100
- Monthly fee: $10 , waivable with one of the following:
- $2,500 average daily balance
- Have a personal Huntington Bank Checking account
- Top APY: Up to 3.29% (varies by location)
- International transaction fee: 3%
- Monthly transaction limitations: 6 transactions per calendar month
Money market accounts
Money market accounts are essentially a cross between checking and savings accounts. It’s an often high-yield account that comes with easier access to your money (through check-writing privileges, for example). But depending on the bank, your monthly transactions may be limited.
Huntington Bank offers three different MMAs. Its Relationship Money Market Account offers APY rates that make it competitive with some of the best money market accounts around. And its SmartInvest MMA comes with even higher APY maximums—though the qualification requirements are significantly more tough.
For those looking for an MMA for their retirement funds, Huntington offers a Money Market IRA, too.
Remember, the APY you receive may depend on where you live.
Huntington Bank Relationship Money Market Account
- Minimum deposit: $25,000
- Monthly fee: $25 , waivable with one of the following:
- Average daily balance of $25,000
- Own a Huntington Bank Platinum Perks Checking account
- Top APY: 3.66% (varies by location)
- Checks: Yes
- Monthly transaction limitations: 6 transactions per statement cycle
Huntington Bank SmartInvest Money Market Account
- Minimum deposit: $0
- Monthly fee: $0
- Additional account requirements:
- Have a managed investment account—other than annuities— through Huntington Bank or the Huntington Investment company
- Have a total relationship balance of at least $100,000
- Top APY: 3.97% (varies by location)
- Checks: Yes
- Monthly transaction limitations: 6 transactions per statement cycle
Huntington Bank Money Market IRA Account
- Minimum deposit: $1
- Monthly fee: $0
- Top APY: 0.50%
- Checks: Yes
- Monthly transaction limitations: 6 transactions per statement cycle
Bank details checked Dec. 17, 2025.
Certificates of deposit
You can open either a regular fixed-rate CD or a jumbo fixed-rate CD with Huntington Bank. Both account types come in standard and promotional flavors. Standard rates are bland, but promo rates are near the top of the market—though, similar to other Huntington Bank deposit accounts, the interest you earn will vary based on your location.
To open a regular CD, you’ll need to deposit at least $1,000—while jumbo CDs require at least $100,000. Huntington also offers IRA CDs, though their return rates aren’t disclosed.
Huntington Bank regular CD rates
| Term | Top APY |
|---|---|
| 1 month | 0.50% |
| 3 months | 0.50% |
| 5 months (featured) | 4.00% |
| 6 months | 0.50% |
| 9 months (standard) | 0.50% |
| 9 months (featured) | 3.05% |
| 12 months | 0.50% |
| 18 months | 0.50% |
| 24 months | 0.50% |
| 36 months | 0.50% |
| 48 months | 0.50% |
| 60 months | 0.50% |
| 72 months | 0.50% |
| 1 month | |
|---|---|
| Top APY | 0.50% |
| 3 months | |
| Top APY | 0.50% |
| 5 months (featured) | |
| Top APY | 4.00% |
| 6 months | |
| Top APY | 0.50% |
| 9 months (standard) | |
| Top APY | 0.50% |
| 9 months (featured) | |
| Top APY | 3.05% |
| 12 months | |
| Top APY | 0.50% |
| 18 months | |
| Top APY | 0.50% |
| 24 months | |
| Top APY | 0.50% |
| 36 months | |
| Top APY | 0.50% |
| 48 months | |
| Top APY | 0.50% |
| 60 months | |
| Top APY | 0.50% |
| 72 months | |
| Top APY | 0.50% |
Huntington Bank jumbo CD rates
| Term | APY |
|---|---|
| 7 days | 0.50% |
| 14 days | 0.50% |
| 30 days | 0.50% |
| 60 days | 0.50% |
| 90 days | 0.50% |
| 152 days (featured) | 4.00% |
| 180 days | 0.50% |
| 270 days (standard) | 0.50% |
| 270 days (featured) | 3.05% |
| 365 days | 0.50% |
| 547 days | 0.50% |
| 730 days | 0.50% |
| 912 days | 0.50% |
| 1095 days | 0.50% |
| 1460 days | 0.50% |
| 1825 days | 0.50% |
| 7 days | |
|---|---|
| APY | 0.50% |
| 14 days | |
| APY | 0.50% |
| 30 days | |
| APY | 0.50% |
| 60 days | |
| APY | 0.50% |
| 90 days | |
| APY | 0.50% |
| 152 days (featured) | |
| APY | 4.00% |
| 180 days | |
| APY | 0.50% |
| 270 days (standard) | |
| APY | 0.50% |
| 270 days (featured) | |
| APY | 3.05% |
| 365 days | |
| APY | 0.50% |
| 547 days | |
| APY | 0.50% |
| 730 days | |
| APY | 0.50% |
| 912 days | |
| APY | 0.50% |
| 1095 days | |
| APY | 0.50% |
| 1460 days | |
| APY | 0.50% |
| 1825 days | |
| APY | 0.50% |
Bank details checked Dec. 17, 2025.
Other services Huntington Bank offers
Beyond deposit accounts, Huntington Bank offers a wide range of products and services. You’ll find:
- Credit cards: Huntington Bank offers multiple credit card options, including a cash back card, rewards card, and low-APR credit card.
- Mortgage loans: Huntington offers home loans, including fixed-rate and adjustable-rate mortgage loans, Federal Housing Administration (FHA)/Veterans Affairs (VA), United States Department of Agriculture (USDA) loans, and home equity loans and lines of credit.
- Personal loans: Huntington offers both personal and automobile loans.
- Business products and services: Huntington offers a full range of business banking products, including checking, savings, MMA, loans, credit cards, and merchant services.
Online banking
As a respectable full-service bank, Huntington Bank’s online banking is robust. You can monitor transactions, pay bills, get digital statements, view account balances, transfer funds between accounts, and more. You can also deposit checks via the mobile app and access up to $500 on the same day.
Zelle is also available for free to all customers for P2P payments.
The Huntington Bank platform and customer support
Customers can access account information through desktop online banking or via mobile apps. The mobile app is well-rated, receiving 4.5 stars out of 5 on Google Play out of more than 66,000 reviews and 4.8 stars out of 5 on Apple App Store out of roughly 245,000 ratings.
You can contact Huntington Bank via phone toll-free daily from 7 a.m. to 8 p.m. Eastern Time. You can also contact them through social media from 8 a.m. to 8 p.m. Monday through Friday and from 8 a.m. to 5 p.m. Eastern Time on the weekends.
Is Huntington Bank secure?
Huntington Bank uses several security measures to ensure that your personal data stays safe. It implements fingerprint or face identification to log into the mobile app; it uses security challenge questions and security tokens; it scrambles information with 128-bit SSL encryption; it uses firewalls.
While no financial institution is entirely impervious to security threats, Huntington Bank does everything you’d expect of a bank.
Huntington Bank user reviews
Banks are notorious for low online ratings. That’s likely because an unsatisfied customer is more vocal than a satisfied one. With that in mind, Huntington Bank has a 1.4 star rating out of 5 on Trustpilot as of this writing.
Customers comment negatively about occasional nickel-and-diming, as well as random check holds and blocking access to funds.
Other forums, like Reddit, offer positive reviews of the bank. They like the overdraft fee 24-hour grace period and the functionality of the online banking and mobile app.
Compare Huntington Bank alternatives
If Huntington Bank doesn’t offer what you need, or doesn’t serve your area, you might consider Ally or Laurel Road instead.
 Huntington Bank |  Ally Bank |  Laurel Road |
|---|---|---|
| Top savings APY | Top savings APY | Top savings APY |
| 3.29% | 3.30% | 3.50% |
| Top checking APY | Top checking APY | Top checking APY |
| 0.03% | 0.25% | 0.01% |
| Top CD APY | Top CD APY | Top CD APY |
| 4.00% | 3.90% | N/A |
| View offer at MoneyLion | View offer at MoneyLion | View offer at MoneyLion |
Bank details checked Dec. 17, 2025.
Is Huntington Bank right for you?
If you are looking for a great traditional bank with a wide range of products and services, Huntington Bank is an excellent choice. It offers great relationship perks, 24-hour grace periods on overdraft fees, and more.
Remember, you must live in one of the 14 states where the bank operates to take full advantage of its options. And Huntington Bank isn’t the undisputed winner among high-APY accounts, either. If your primary goal is to find the most impressive return for your deposit account balances, try looking elsewhere.
Frequently asked questions
Is Huntington Bank secure?
Huntington Bank is as secure as you can ask a financial institution to be. It allows you to set up fingerprint and face ID logins to keep your accounts safe, and it uses security features (such as challenge questions and 128-bit SSL encryption) to keep your data safe.
How many branches does Huntington Bank have?
Huntington Bank has more than 1,000 branches and more than 1,600 ATM locations.
What are the disadvantages of Huntington Bank?
Disadvantages include Huntington Bank only offering branch locations in 14 states, comparatively few competitive CD options, and large deposit requirements to receive its highest APY with many deposit accounts.
What are Huntington Bank’s customer service hours?
Huntington Bank’s phone representative hours are from 7 a.m. to 8 p.m. Eastern Time. Its social media team is also available from 8 a.m. to 8 p.m. Monday through Friday and from 8 a.m. to 5 p.m. Eastern Time on Saturday and Sunday.
Can you waive Huntington Bank monthly fees?
Yes, it’s possible to waive Huntington Bank monthly maintenance fees with qualifying activity (such as maintaining a minimum balance or having an eligible complementary account).