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Huntington Personal Checking Accounts Review

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Founded in Columbus, Ohio in 1866, Huntington is a full service bank servicing the majority of the American Midwest. The bank and its affiliates feature traditional personal and business banking options, along with loan services, investment management, and insurance. Huntington has a strong reputation for customer support and good financial ratings from S&P, Moody's, and Fitch.
 
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How is Huntington Personal Checking rated?

Breakdown

4.7/5
Account Features
4.8/5
Fees and Restrictions
4.5/5
Support, Reputation, and Financials

Overall Rating: 4.7 / 5 (Excellent)

The Huntington National Bank is a great choice for checking accounts primarily due to its three great checking options and the fact it has been providing reliable and dependable service to Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia for over 150 years. If you live in this area, the bank has nearly 1,000 branches and 1,800 ATMs, which is especially good if you choose one of the two checking accounts with limited non-Huntington ATM withdrawals. The company also has a robust online experience and mobile app, enabling consumers the facility of physical branches alongside digital services like bill pay, text alerts, multiple account management, and money transfer with Zelle®. To top it off, Huntington has solid financial ratings and a great reputation for customer service.

Huntington Personal Checking Account Features

Account Features - 4.7 / 5

Huntington stands out from the pack because they offer a maintenance free and simple checking account, plus two interest-bearing alternatives for those who are able to maintain higher balances across all their Huntington banking and investment accounts. Asterisk-Free Checking® has no monthly fee or minimum balance to maintain. Huntington 5 Checking® comes with a 0.05% APY, five free non-Huntington ATM withdrawals per cycle, and 10% credit card bonus. Huntington 25 Checking® has a 0.25% APY, unlimited non-Huntington ATM withdrawals, unlimited free checks, and 10% credit card bonus.
Types of Checking Accounts
Free Checking Accounts
Online Checking Accounts
Interest Bearing Checking Accounts
Methods of Deposits
Mail Check
Mobile Check Deposit
Physical Branch
Wire Transfer
Online Transfer
Direct Deposit
Integration with Other Online Accounts
Savings
Retirement Accounts
No-Fee ATM
No-Fee at Branded ATMs
Reimbursement for Domestic ATMs
Reimbursement for International ATMs
Branch Offices
Huntington Bank has nearly 1,000 branches and 1,800 branded ATMs across 7 states in the Midwest.

Interest (APY)

0.05% or 0.25%

Overdraft Protection

Huntington checking accounts have a 24-Hour Grace® feature. If a customer brings his account balance above $5 during the next business day of the overdraft, there will be no overdraft fee charged. Overdraft charges can also be avoided by linking a savings account, personal credit line, or credit card.
Integration with Mobile Payment Services
Zelle
Pay Bills Online
Yes
EMV Chip Technology
Yes
Bank Checks
Yes
Mobile App
Yes

Huntington Personal Checking Fees and Restrictions

Fees and Restrictions - 4.8 / 5

The most unrestrictive of Huntington's three checking accounts is the Asterisk-Free Checking, which has no monthly maintenance fee, no minimum balance requirement, and is free to open. This account can also be linked to the Premier Savings account at no cost as well. The other two checking accounts do have fees and minimum balances. Huntington 5 Checking has a monthly $5 charge if a balance of $5,000 is not maintained. Huntington 25 Checking has a $25 fee if a $25,000 balance is not maintained. However, these balances are Total Relationship Balances. Meaning, the minimum balances must be maintained in aggregate across all your eligible Huntington accounts. These accounts include any other checking, money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts owned or jointly owned, and investment accounts with Huntington Investment Company as well.
Maintenance Fee
$0, $5, or $25 depending on account and balance
Minimum Balance
None
Minimum Number of Transactions
None
Maximum Number of Insufficient Funds Fees Per Day
4

Huntington Personal Checking Support, Reputation, and Financials

Support, Reputation, and Financials - 4.5 / 5

The Huntington National Bank has been in operation for more than 150 years. Based in Columbus, Ohio it has grown to serve 7 Midwestern states. The bank has solid financial strength ratings from S&P, Moody's, and Fitch Ratings. This combined with the bank's longevity indicates a high likelihood they can meet customers' needs and their own financial obligations far into the future. Huntington also has an A+ Rating with the BBB and a respectable Trustpilot score of 7.9.
BBB Rating
A+
Trust Pilot Rating
7.9 out of 5
Consumer Financial Protection Board (CFPB) Complaints
2,295
Date Collected
2019-05-22
Year Founded
1866
Standard & Poor's Financial Rating
A-
Moody's Financial Rating
A3
Live Help 24/7
Yes

Contact Methods

  • Phone
  • Email
  • Chat
  • Social Media

Company Profile

Full Name
Huntington Personal Checking Accounts
Company Website
https://www.huntington.com/
Headquarters
41 South High Street, Columbus, OH, 43215

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