Operating Accounts

Count on your cash to be where you need it, when you need it. We can help you find the right accounts for your business, whether you run a large corporation, not-for-profit organization or public agency.

Are you a fast-growing business with consistently high monthly transaction volume, or an organization with extensive monthly transaction needs? Take a look at our Analyzed Checking account, designed for businesses with over 500 transactions per month. It offers a variety of features to improve your company's cash flow and increase your operating efficiency.

Pay for the services your company needs
Service charges are based on your account activity. Use your earnings credit, based on monthly average balance, to offset fees for services. Online Account Analysis Statement details your account service charges.
Add services that meets your unique requirements

Purchase a range of add-on products and services à la carte. Options include automated sweep accounts¹, ACH services, wire transfers, Bill Pay, Visual Archive and more.

 1 The automated sweep account options are a money market account, FDIC insured up to applicable amounts.

Manage your account more efficiently

Get unlimited access to your account information 24 hours a day, seven days a week through:

  • Business Online
  • Business Service Center
No idle balances. No forgotten transfers. No problem. Huntington’s Zero Balance Account (ZBA) service eliminates the need to transfer funds between Huntington accounts.

Streamline your banking with ZBA.

The ZBA is set up with a concentration/parent account, which manages the funding of accounts in the overall relationship and performs account transfers to and from the sub-accounts. The concentration/parent account sweeps excess cash out of sub-accounts with a positive balance and automatically funds sub-accounts with a negative balance.

Huntington’s ZBA is efficient and cost-effective. It’s an easy and convenient way to help you manage multiple accounts, track activity and balances and move funds.

  • Excess cash in your company’s concentration/parent account can be invested through a Huntington AFI sweep or used to pay down a line of credit through Huntington’s ACS service
  • Quickly monitor your accounts with daily balance and transfer activity reports in Business Online
Huntington Escrow Solutions provides businesses and organizations with a comprehensive online accounting tool to effectively manage their clients' sub-accounts and allocations.

How it works

Escrow Solutions is an easy-to-use, self-service online platform that helps reduce the administrative burden of managing your clients’ escrow balances, or your own self-managed funds, by maintaining a single master account that consolidates all balances where sub-accounting is performed at individual account levels.

Huntington Escrow Solutions supports a variety of business needs, including:

  • Landlord tenant/property management
  • Homeowners association fees
  • 1031 exchanges
  • Government/Non-Profit/Healthcare Funds management
  • Non-IOLTA Escrows (used for class action, litigation, and structured settlements)
  • Mortgage loan services
  • Utility deposits
  • Home builders
  • HUD/URA operators
  • Tuition payment plans
Benefits of escrow solutions
  • Comprehensive, low-cost, self-service solution
  • Unlimited number of sub-accounts per master account
  • Interest bearing option available for sub-accounts
  • Monthly combined statement summarizing account balances for all sub-accounts established under a specified master account
  • Robust audit trail including 1099 year-end tax reporting
  • Online sub-account management through your Huntington Business Online account so you can open, close, and disburse funds
  • Save additional administration time by granting user entitlements within your organization
  • View only statement capability for sub-account owners
Want to know more?

Current customers, please call your Huntington Relationship Manager. Otherwise, contact a Commercial Service Team Representative at (800) 480-2001, Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.