Huntington Bank review: a wide range of offers and hundreds of branches

GOBanking Rates Score

Quick take: Huntington Bank offers a wide selection of financial products and services to customers in its service area, but it does not pay competitive interest rates on its deposit accounts.

  • Product range
  • APY
  • Customer service
  • Costs

How did we calculate this?

Overview of the Huntington Bank

Huntington Bank is a full-service bank owned by Huntington Bancshares Inc., based in Columbus, Ohio, 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 Huntington National Bank, and the combined company has approximately $175 billion in assets, $142 billion in deposits, and $116 billion in loans.

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

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

Huntington Bank Product Details

Here is an overview of the various products and offers of Huntington Bank.

Huntington Bank Chequing Accounts

Huntington Bank offers three main checking accounts designed to meet specific purposes: Huntington 25 Checking, Huntington 5 Checking and Asterisk-Free Checking, as well as a student checking account. All three main 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 return 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 monthly fee of $25, 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 non-Huntington ATM owners.

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.

Starless verification is an easy and inexpensive option if you don’t want to pay monthly maintenance fees. There is a $3 fee for each non-Huntington ATM transaction, plus any fees charged by the ATM owner. The Starless Chequing Account is one of the reasons Huntington Bank was named one of the Best Chequing Accounts of 2022 by GOBankingRates.

Huntington Bank Savings Accounts

You get two choices of savings accounts at Huntington: Relationship Savings and Premier Savings. Both have 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 a Huntington 25current account.

Relationship Savings has a monthly fee of $10 that can be waived with an average daily balance of $2,500 or when you have a Huntington 5 or Huntington 25 checking account. Rates are based on bank relationship. The unrelated APY is 0.01% on all sales. The APY is 0.02% if you have a Huntington 5 or Huntington 25 current account, and 0.06% if you have a Private Client account.

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

Huntington Bank Money Market Account

Huntington Bank has a unique money market account, called Relationship MMA, which requires you to have a balance of at least $25,000 to earn interest. The $25 monthly service fee can be waived with an average daily balance of $25,000 or when linked to a Huntington 5 or 25 checking account. 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 offers two Certificate of Deposit options: Fixed Rate CDs which 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 fixed rate CDs and seven days to five years for jumbo fixed rate CDs. APYs for both CD types range from 0.01% to 0.03%, with higher balances earning higher rates.

How Huntington Bank Earned Its Scores

Here’s how GOBankingRates looked at several key Huntington Bank features to calculate the overall score.

Product range

This is where Huntington Bank really shines – the selection of products it offers. In addition to several choices of checking and savings accounts, the bank offers money market accounts, CDs, mortgage banking, cash management and foreign exchange services, wealth management and investment services. , fiduciary 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 solid return on your money. Unless you have a private client account, you won’t earn more than 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 ability to ask 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.


Verification without an asterisk has no monthly service fee, but you will incur a fee with the other two verification options unless you maintain a large enough balance in your account. 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 greatest asset. Even though Huntington is a regional bank, you have access to all the accounts you will find at major national banks.

Huntington Bank vs Competitors

Before choosing a bank, it helps to know how it compares to others in the industry. Here’s how Huntington compares to some of its competitors.

Bank Best for
Huntington Bank Extensive account options for customers in its service area
Bank of America Slightly higher savings rates
hunting bank Extensive national network of branches
Bank of Regions Bonuses and Rewards for Southern and Midwestern Customers

Huntington Bank v Bank of America

Bank of America won’t win any awards for offering a 0.04% higher APY on its savings accounts, but it’s still higher than Huntington Bank 0.01% APY on Premier savings and 0.02% APY on relationship savings. Huntington has the advantage of offering at least one completely free checking account, which Bank of America does not offer.

Huntington Bank v Chase Bank

Chase Bank offers more than 4,700 branches in the United States alone, more than four times as many as Huntington Bank. But even with its weak 0.02% APY on relational savings, Huntington trumps Chase 0.01% APY savings.

Huntington Bank v Regions Bank

Regions Bank offers incentives like an annual savings bonus, which you won’t find in Huntington. But unlike Huntington, Regions doesn’t offer completely free options on its major checking accounts.

Final take

Huntington Bank is worth considering if you live in its service area and are looking for many accounts and services within a bank, as well as access to hundreds of branches. The main downside is that you won’t get high APYs on deposit accounts.

Vance Cariaga contributed reporting for this article.

Rates are subject to change; unless otherwise specified, prices are updated periodically. All other account information is accurate as of January 11, 2022.

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

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About the Author

Claire Tak is a content strategist and copywriter with a background in fintech. His work has appeared in major publications such as FOX Business, Bloomberg and Forbes. She admits to having an unhealthy addiction to snowboarding and when she’s not working, she’s planning her next trip. You can see her shenanigans on Claire’s Holiday.

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