At a glance

Overview

Huntington National Bank is a convenient option for many who live in the 12 states that have branches. Its consumer-friendly offerings include a free checking account, 24-hour overdraft forgiveness and all-day deposit capability that extends the deposit cutoff to midnight Central Time on business days.

Highlights:

Free Checking

Highlights:

Free Checking

4.1

Bankrate Score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

CDs

2.7 /5

Checking

4.5 /5

Savings

3.9 /5

MMA

4.2 /5

4.5

Customer Score

Star ranking and total number reflects the lifetime customer reviews received while this bank has been monitored by Bankrate.

See all 22 consumer reviews

Overall

The Huntington National Bank offers consumer-friendly products and a network of more than 900 branches mostly in the Midwest and South. A free checking account is available, yet yields on savings accounts some standard certificates of deposit (CDs) are comparatively low.

Pros

A free checking account is available.
Huntington offers a 24-hour grace period on overdrawn transactions before incurring a fee.
A wide range of CD terms gives customers the ability to build a CD ladder.

Cons

Yields on many CDs are low.
The minimum balance needed to earn interest on the money market account is steep.

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Huntington Bank banking products

Huntington Bank Relationship Savings

3.9

/5

See methodology Compare savings rates

Pros

Both savings accounts offered, the Huntington Premier Savings account and the Huntington Relationship account, provide simple ways to avoid the monthly service fees.

Cons

Some of the APYs on both accounts are low. However, the Huntington Relationship Savings account offers 3.03 percent APY on certain balances, as of February 19, 2025.
The Relationship Savings account’s minimum opening deposit is higher than what many other banks require.

Huntington Bank Standard CD

2.7

/5

See methodology Compare CD rates

SCORE BREAKDOWN

APY offering:

0.50%

1/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs are selected based on Bankrate reviews of the highest rates a bank offers between the term ranges of 7 and 17 months. This excludes jumbo CDs and applies when the minimum deposit is $25k or less.

Minimum deposit:

$1,000.00

4/5

The minimum deposit amount a financial institution requires in order to open a CD.

Range of term lengths:

3 mos – 5 yrs

4/5

A designated amount of time that funds must be held within a CD.

Early withdrawal penalty:

Good

4/5

A penalty incurred when funds have been withdrawn from a CD before its maturity date.

Offer no-penalty or bump-up CDs:

No

0/5

A CD that doesn’t incur a penalty if funds are withdrawn before its maturity date.

Offer IRA CDs:

Yes

5/5

An IRA account which consists of CDs that typically earns fixed interest over a specified period of time.

Pros

The wide range of terms gives customers the ability to build a CD ladder.
The minimum deposit for all standard CDs is a manageable $1,000.

Cons

Most standard CD yields are very low, even for jumbo CDs. However, there are promotional CDs that offer better rates.
No bump-up or no-penalty CDs are available.

Rate history for Huntington Bank's CD accounts

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Huntington Bank

APY

APY last updated between 2/14 and 2/20.

National average APY

Term length

How do we get this data?

Bankrate independently tracks hundreds of APYs and product details for banking institutions nationwide. We retain the historical data of every rate we track in our database. If there are any gaps where we weren’t actively tracking a rate at the time, the graph will reflect the missing data.

Huntington Relationship Money Market Account

4.2

/5

See methodology Compare MMA rates

Pros

The money market account has check-writing privileges and an ATM card.
Current promotional rates are high for balances of $25,000 or more.

Cons

The minimum balance needed to earn interest and waive the monthly fee is steep.

Huntington Bank Asterisk-Free Checking

4.5

/5

See methodology Compare checking rates

SCORE BREAKDOWN

Monthly service fee:

$0.00

5/5

A monthly charge a financial institution deducts from an account if certain requirements are not met.

Minimum balance to avoid fee:

$0.00

5/5

The lowest balance an account must maintain in order to avoid a fee.

Minimum deposit:

$0.00

5/5

The minimum deposit amount a financial institution requires in order to open a checking account.

Fee to use out-of-network ATM:

Subpar

2/5

A charge incurred when withdrawing funds from an ATM that is not in the bank's network.

Peer-to-peer payments:

Great

5/5

The ability to transfer funds directly between individuals using a digital platform or service.

Early direct deposit:

Great

5/5

The option to receive your paycheck or funds in your account before the official payment date.

Overdraft fees:

Good

Rating: 4 stars out of 5

4/5

Charges applied when a customer spends more money than is available in their account, resulting in a negative balance.

NSF fees:

Great

Rating: 5 stars out of 5

5/5

Non-sufficient funds fees are incurred when a transaction is attempted without enough money in the account to cover it.

APY offering:

0.00%

Rating: 0 stars out of 5

0/5

APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.

ATM network:

Great

Rating: 5 stars out of 5

5/5

Accessibility to ATMs for account holders within a specific network or financial institution, facilitating cash withdrawals and transactions.

Pros

Asterisk-Free checking charges no maintenance fee and requires no minimum deposit.
Perks Checking and Platinum Perks checking earn a little bit of interest.

Cons

Asterisk-Free checking charges $3.50 for each out-of-network transaction.

Compare more: Bankrate's best saving account offers

How Huntington Bank compares with other banks

Compare different account types offered by Huntington Bank. Annual percentage yields (APYs) shown were updated between Feb. 14, 2025 and Feb. 20, 2025.

Selected bank Huntington National Bank CD Member FDIC Bankrate score Rating: 2.7 stars out of 5 2.7 Bankrate CD rating = 2.7/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score.	Most comparable EverBank CD Member FDIC Bankrate score Rating: 4.1 stars out of 5 4.1 Bankrate CD rating = 4.1/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Feb. 14, 2025 and Feb. 20, 2025.
0.50%	4.00%
Minimum deposit
$1,000.00	$1,000.00
Term
1 yr	9 mos

Huntington Bank offers a wide variety of CDs, ranging from as short as one month to as long as six years. All standard terms earn a very low yield, even with higher balances. However, Huntington Bank does have a couple of promotional CDs with competitive yields. All CDs, standard and promotional, require a minimum deposit of $1,000.	Everbank has CD terms ranging from three months to five years. Its CDs require a $1,000 minimum opening deposit, which is typical among banks.

Huntington Bank offers a wide array of CD terms. Some promotional terms earn robust APYs.	EverBank Performance℠ CDs offers competitive yields, similar to other online banks.	N/A
Much higher yields on CDs can be found elsewhere. Higher balances don’t earn higher yields.	Some banks have lower minimum opening deposit requirements. No IRA or no-penalty CDs are offered.	N/A

Selected bank Huntington National Bank checking account Member FDIC Bankrate score Rating: 4.5 stars out of 5 4.5 Bankrate Checking rating = 4.5/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score.	Most comparable SoFi checking account Member FDIC Bankrate score Rating: 4.9 stars out of 5 4.9 Bankrate Checking rating = 4.9/5 Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review	Search for or select a bank: Bankrate score Bankrate Checking rating Bankrate scores are objectively determined by our editorial team. Minimum balances to avoid monthly service fees, whether the bank has a monthly service fee, minimum opening deposit requirements, fees to use out-of-network ATMs and overdraft fees are some of the things that make up Bankrate’s score. Read review
APY APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Feb. 14, 2025 and Feb. 20, 2025.
0.02%	0.50%
Minimum balance to open
$0.00	$0.00

Huntington Bank’s Asterisk-Free Checking account doesn’t require a minimum opening deposit nor does it charge a monthly fee. There is some coverage against overdraft fees, but if you do get hit with a fee, it’ll be $15 per overdrawn transaction. Moreover, Huntington Bank charges a $3 out-of-network ATM fee.	SoFi Checking and Savings lets you earn a competitive annual percentage yield and it gives you access to direct deposits up to two days early. The account also lets some customers overdraft by $50 or less without being charged a fee.

The Asterisk-Free Checking account is free to open. The account comes without a monthly fee.	Customers can receive early direct deposits at SoFi Bank. SoFi customers have access to Allpoint network ATMs. SoFi customers earn a competitive APY. The SoFi checking and savings account doesn’t have fees, which includes overdraft fees.	N/A
There are a host of fees included with this account, including overdraft and out-of-network ATM fees.	You can’t just get a checking account – you have to get both a checking and savings account.	N/A

Bank fees

Fee	Charges
Overdraft fee	$15
Nonsufficient funds fee	None
Monthly maintenance fee	$0 – $25
Out-of-network ATM fee	$3.50
Excessive transaction fee	None

Customer experience

Customer service. Customer service is available 7 a.m. to 8 p.m. ET, daily. Customers have access to a range of features, including 24-Hour Grace, which gives account holders until midnight the next day to bring their accounts positive when they've been overdrawn.

Branch availability. Huntington Bank has more than 900 branches across 12 states.

Highly-rated mobile app. Huntington’s mobile app is highly rated on the Apple App and Google Play stores. Huntington offers All Day Deposit, which extends the banking day until midnight Central Time for deposits made at an ATM or through its mobile app. Additional features include online bill pay as well as mobile banking and account alerts, and debit cards can be linked to digital wallets, like Samsung Pay and Google Pay, to pay for purchases with a smartphone.

Bankrate staff insights

"I've used Huntington Bank as my primary bank for over a decade and have always appreciated how easy it is to conduct my financial business through them. Huntington’s early pay feature means my direct deposit comes up two days early, which is nice to have," said a Bankrate staff member and accountholder. "Though, I’ve generally had to look elsewhere to earn a competitive interest rate on my emergency fund savings."

Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.

Huntington Bank customer reviews

Huntington Bank has 22 reviews

Dive into community reviews below and see what others think about Huntington Bank.

4.5

22 ratings

Star ranking and total number reflects the lifetime customer reviews received while this bank has been monitored by Bankrate. To help serve you with relevant information, the customer reviews shown below are limited to only those that this bank has received during the past 12 months.

Score breakdown

5 stars

55%

4 stars

36%

3 stars

9%

2 stars

0%

1 star

0%

Score by category

Overall Rating 4.5 / 5

Competitiveness of APY 3.9 / 5

Amount of fees 3.9 / 5

Customer support 4.4 / 5

Website / Mobile app 4.4 / 5

Bankrate methodology disclosure

In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.

Community Reviews

See what users like you are saying about Huntington Bank.

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Anonymous account holder

September 13, 2024

I like the business relationship, but I find that I often have overpayment issues,that could be prevented without the fees. Early pay, credit building and the Budget I have with them.

Score by category

Amount of fees 4 / 5

Competitiveness of APY 4 / 5

Customer support 4 / 5

Website / Mobile app 2 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

It's quick and easy! They took over TCF bank.

Score by category

Amount of fees 3 / 5

Competitiveness of APY 3 / 5

Customer support 4 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

It's a good bank, but they need to up their APY to keep up with the online banks that have higher rates and are attracting more people to bank with them. They have a bank near where I go shopping. They are in a safe place to do banking and it's easy to use the ATM when needed.

Score by category

Amount of fees 1 / 5

Competitiveness of APY 1 / 5

Customer support 5 / 5

Website / Mobile app 3 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

Good rates and great service. Website is easy to use.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

I am completely satisfied with my experience with Huntington Bank. Trusted.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

I use the mobile browser more than I do the app. It has regularly scheduled updates so I feel my money is safe. I've only used customer service a few times. It was a convenient location at a previous workplace although now locations are too far away. They were offering free checking with direct deposit with no minimum balance. Have 24-hour Grace which actually is enough time to correct an overdraft.

Score by category

Amount of fees 3 / 5

Competitiveness of APY 3 / 5

Customer support 3 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) Yes

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

Very good service. Vicinity and ease.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account Yes

Anonymous account holder

September 13, 2024

Any time I have any issue or even a hiccup, the employees are always available to help no matter if it's in person, on the phone, or online. They always resolve my issue with no problem. They make sure I don't have anything else I need to do. They always make sure they're there for the customer. They aim to make your life easier in any possible way they can. Mobile check deposit was big for me as the hours I work I never would've made it to the bank on time and a lot of the days I needed my money available right away. That was also another factor. Free checking was another huge benefit for me and my needs.

Score by category

Amount of fees 5 / 5

Competitiveness of APY 5 / 5

Customer support 5 / 5

Website / Mobile app 4 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

There's never any fees and they have great customer service. 1. No Fees 2. Great customer service 3. Plenty of locations.

Score by category

Amount of fees 2 / 5

Competitiveness of APY 2 / 5

Customer support 5 / 5

Website / Mobile app 5 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account No

Checking Account Yes

Anonymous account holder

September 13, 2024

I have had mystery charges on my account. took a long time to get money back and i'm the only one on my account. I never take money out of savings for anything. The start up limit and rates. But I only had my account with them for 6 months and I closed it.

Score by category

Amount of fees 2 / 5

Competitiveness of APY 2 / 5

Customer support 4 / 5

Website / Mobile app 3 / 5

Accounts held by this user

Certificate of Deposit (CD) No

Money Market Account (MMA) No

Savings Account Yes

Checking Account No

Date Bankrate gathers rate data either directly from our partners, or through our proprietary rate surveying service. The rate change date is based on when Bankrate received or captured the rate change and may differ from the actual date the rate changed.	Huntington Bank APY APY last updated between 2/14 and 2/20. APY last updated between 2/14 and 2/20	National average APY The “national average” is determined by Bankrate’s comprehensive national survey of savings accounts and CDs and reflects the monthly average APY for each product.
02/05/2025	0.50%	1.54%
01/07/2025	0.50%	1.43%
10/01/2024	0.50%	1.42%
09/03/2024	0.50%	1.43%
08/06/2024	0.50%	1.44%
07/02/2024	0.50%	1.42%
06/04/2024	0.50%	1.43%
05/21/2024	0.50%	1.42%
04/02/2024	0.10%	1.42%
03/12/2024	0.10%	1.43%
02/27/2024	0.10%	1.42%

Huntington National Bank Review 2025

The Bankrate promise

At a glance

Overview

Highlights:

Highlights:

Overall

Pros

Cons

We want to know what you think about Huntington National Bank

Huntington Bank banking products

Huntington Bank Relationship Savings

Pros

Cons

Huntington Bank Standard CD

Pros

Cons

Rate history for Huntington Bank's CD accounts

Huntington Relationship Money Market Account

Pros

Cons

Huntington Bank Asterisk-Free Checking

Additional details and scores

Pros

Cons

How Huntington Bank compares with other banks

Bank fees

Customer experience

Bankrate staff insights

Review methodology

Huntington Bank customer reviews

Huntington Bank has 22 reviews

Community Reviews

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