Not all bank accounts are created equal, and what works for one person might not work for another. Some just want a simple, no-fee checking account, while others look for perks, higher interest or ways to make their money work a little harder. If you're curious about how Huntington Bank fits into that mix, here's a closer look at its checking accounts, savings and CDs to help you decide what might suit you.
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Huntington Bank checking accounts
Huntington offers a range of checking accounts depending on your needs and capabilities.
Huntington Bank Asterisk-Free Checking
Huntington's most basic checking account, the Asterisk-Free Checking®, has no monthly maintenance fees, minimum deposit or balance requirements. If you like to keep things simple without extra conditions, it covers the basics. With over 1,000 branches in 13 states, it may appeal to you if you like in-person banking and if you're located in those areas. There's a small fee for out-of-network ATMs, so it works best if you mostly use in-branch ATMs or don't rely on them often.
Huntington Bank Asterisk-Free Checking®
Monthly maintenance fee
$0
Minimum deposit to open
$0
Minimum balance
None
Free ATM network
Over 1,600 ATM locations
ATM fee reimbursement
$3.50 for each non-Huntington ATM transaction
Overdraft fee
$15; Options to waive
Mobile check deposit
Yes
Terms apply.
Pros
- No monthly fees
- No minimum balance requirement
- No minimum deposit
Cons
- ATM fees
- $15 overdraft fee
Huntington Bank Perks Checking
Huntington's Perks Checking® is a step above the Asterisk-Free account and earns 0.02% APY. It has a $10 monthly fee, waived if you maintain $1,000 in total monthly deposits or $5,000 in total relationship balances. If you tend to use a non-Huntington ATM, it also lets you waive up to five of those fees per statement cycle.
Huntington Bank Perks Checking®
APY
0.02% APY
Monthly maintenance fee
$10 (waived if you maintain $1,000 in total monthly deposits or $5,000 in total relationship balances)
Minimum deposit to open
$500 to earn cash bonus
Minimum balance
None
Free ATM network
Over 1,600 ATM locations
ATM fee reimbursement
$3.50 for each non-Huntington ATM transaction; Options to waive
Overdraft fee
$15; Overdraft protection available
Terms apply.
Pros
- Earns interest
- Offers cash bonus
- No minimum balance requirement
- Option to waive the monthly fee
- Overdraft protection available
Cons
- ATM fees
- $15 overdraft fee
- $10 monthly fee
Huntington Platinum Perks Checking
Huntington's Platinum Perks Checking® is the most premium account, offering a slightly higher 0.03% APY. If you like added benefits, it includes unlimited waivers for non-Huntington ATM fees. It requires a pretty high $25,000 in total relationship balances to waive the $25 monthly fee, but if that works for you, it can be a strong option.
Huntington Platinum Perks Checking®
APY
0.03% APY
Monthly maintenance fee
$25; Unless you maintain $25,000 in total relationship balances.
Minimum deposit to open
$25,000 to earn cash bonus
Minimum balance
None
Free ATM network
Over 1,600 ATM locations
ATM fee reimbursement
$3.50 for each non-Huntington ATM transaction; Options to waive
Overdraft fee
$15; Overdraft protection available
Terms apply.
Pros
- Earns interest
- Offers cash bonus
- No minimum balance requirement
- Option to waive the monthly fee
- Overdraft protection available
Cons
- ATM fees
- $15 overdraft fee
- $25 monthly fee
Huntington Bank savings accounts
Huntington Bank Relationship Savings
The Relationship Savings offers different APYs depending on your balance and whether you also own a qualifying checking account. If you like earning a more competitive rate, balances between $5,000 and $2,000,000.99 can get higher interest. The account also has a $10 monthly fee, waived if you maintain an average balance of $2,500, have an eligible checking account or start with a minimum deposit of $100.
Huntington Bank Relationship Savings
Annual Percentage Yield (APY)
From 0.01% to 3.29% APY
Minimum balance
Minimum balance to earn interest is $0.01
Monthly fee
$10; Unless you maintain an average daily balance of $2,500 or own an eligible checking account
Maximum transactions
None
Excessive transactions fee
None
Overdraft fee
$15
Offer checking account?
Yes
Offer ATM card?
Yes
Terms apply.
Pros
- Low minimum balance
- $100 minimum deposit
- Options to waive the monthly fee
- Options to waive overdraft fee
- Option to add a checking account with ATM access
Cons
- $10 monthly fee
- Higher APYs offered elsewhere
- $15 overdraft fee
Huntington Certificates of Deposit
Huntington Bank CDs
Huntington Bank CDs offer a range of rates, with standard rates generally low and promotional rates higher for limited 5- or 9-month terms. If you like short-term options with higher rates, these promotions may work for you. All CDs require a minimum deposit of $1,000, and if you like larger investments, jumbo CDs offer the same promotional rates for 152- or 270-day terms with a $100,000 minimum balance.
Huntington Bank CDs
Annual Percentage Yield (APY)
From 0.50% to 4.08% APY
Terms
From one month to 6 years
Minimum balance
$1,000
Monthly fee
None
Early withdrawal penalty fee
Early withdrawal penalty applies.
Terms apply.
Pros
- Above-average APYs
- Range of CD terms
- No monthly fee
- Jumbo CDs available
- Has physical branch locations
Cons
- You can't access your money before your CD term ends
- Early withdrawal penalty fee on certain CDs
- No physical branch locations
Other products offered
Huntington Bank also offers a variety of other products, including:
- Personal loans
- Auto loans
- Home loans
- Credit cards
- Home insurance
- Life insurance
- Vehicle insurance
- Business checking
- Business savings
- Business loans
- Business credit card
- Business insurance
Compare offers to find the best checking account
How Huntington Bank compares
If Huntington Bank's offerings don't quite fit your needs, there are other banks worth considering. For example, Axos Bank offers the Axos ONE® package, which combines checking and savings with competitive rates on both accounts to help maximize your earnings. If you like accounts without extra hoops, there are no monthly maintenance, account opening or overdraft fees, and no minimum deposit or balance requirements — aside from what's needed to earn the higher APY.
Axos ONE® savings and checking bundle
Annual Percentage Yield (APY)
Axos ONE Checking: 0.00% APY base rate and 0.51% APY promotional rate; Axos ONE Savings: 1.00% APY base rate and 4.21% APY promotional rate
Minimum balance
None. To earn promotional rates, monthly direct deposits of at least $1,500 and daily balance greater than $1,500
Monthly fee
None
ATM network
Over 95,000 fee-free ATMs
Overdraft fee
None
Terms apply.
Pros
- Combines checking and savings in one account, making it easy to manage your money without juggling multiple banks.
- Promotional APYs available on both checking and savings accounts, so your everyday spending money can earn interest too.
- No minimum deposit, no monthly fees and no overdraft fees, so nothing is cutting into your balance.
- Access to over 95,000 fee-free ATMs nationwide, one of the largest networks available.
- Get your paycheck early with direct deposit and benefit from expanded FDIC insurance for added protection.
- Can link external accounts for added flexibility in managing your money.
Cons
- Online-only bank with no physical branches, so all support is handled digitally or by phone.
- Base APYs are low without meeting the promotional requirements, so the account works best if you can consistently hit the direct deposit and balance thresholds.
- Promotional rates require at least $1,500 in monthly direct deposits and a daily balance above $1,500 to qualify.
Capital One's 360 Performance Savings account also offers a competitive rate with no fees or minimum balance. The 360 Checking account earns interest as well and comes with no fees, minimum balance, or deposit requirements. If you like, Capital One also often offers checking account bonuses for new account holders, so it's worth keeping an eye out for those.
Capital One 360 Performance Savings™
Annual Percentage Yield (APY)
3.00% APY
Minimum balance
None
Monthly fee
None
Maximum transactions
Up to 6 free withdrawals or transfers per statement cycle
Excessive transactions fee
None
Overdraft fee
None
Offer checking account?
Yes
Offer ATM card?
Yes, if have a Capital One checking account
Terms apply.
Pros
- Strong APY
- No minimum balance or deposit
- No monthly fees
- Option to add a checking account with ATM access
- Has physical branch locations, plus Capital One® Cafés
- Has a top-rated mobile app
- Offers mobile check deposit
- Users can take advantage of free credit monitoring service
Cons
- Higher APYs offered elsewhere
- Earns 0.10% APY on all balances
- No minimum opening deposit
- No overdraft fee or foreign transaction fee
- 750 physical branches and 60 Capital One cafés
- Get your direct deposits up to two days early
- Over 72,000 fee-free ATMs via Capital One, Allpoint and MoneyPass networks
- Out-of-network ATM fees aren’t reimbursed
- Physical branches limited to nine states and Washington, D.C.
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