Open a Huntington Platinum Perks Checking℠ account, earn $300‡‡
Open a new account
Visit a branch and open a new Platinum Perks Checking account before October 7, 2022.
Meet your requirement
Make cumulative new money deposits of at least $25,000 within 60 days of account opening and keep your account open for 90 days.
Enjoy your bonus
$300 will be deposited in your new account within 14 days of meeting requirements.
The Perks of Platinum Perks Checking
Platinum Perks Checking supports your goals throughout your financial life, whether you want to build out your savings, you’re ready to buy a home, or you want to start investing.
No Monthly Maintenance Fee
No monthly maintenance fee when you maintain $25,000 in total relationship balances. Otherwise $25 a month.‡
There’s no minimum deposit needed to secure your Platinum Perks Checking account.
Earn Interest on Deposits
Platinum Perks Checking is an interest-bearing account, which means your deposits grow over time.
Unlimited ATM Withdrawals and Free Checks
We cover the fees on all non-Huntington ATM withdrawals, so you can access cash when you need it.¶ Plus, you have unlimited access to free checks.
Credit Score & Identity Monitoring
At no added cost, we include round-the-clock identity monitoring to help safeguard you from fraudulent activity, and credit score monitoring with alerts§§ and insights that can help you improve your score. It could make quite a difference. On average, participating customers received a boost of 23 points in just 12 months.^
Platinum Perks Relationship Rates
Better Savings Rates
Enjoy attractive relationship rates on savings and money market accounts, and extend the savings through all of your shared consumer accounts, owned by you or jointly with someone else.Ұ
All checking customers may benefit from these innovations
Get access to products and tools built on forgiveness, faster access to cash, and more automatic saving.
If you have a Huntington checking account with direct deposit, you could get paid up to two days early^^.
Set financial goals, big or small, and features like Savings Goal Getter℠, Spend Analysis, Spend Setter℠, and Look Ahead Calendar℠ will show you how much you need to save and track your progress along the way, helping you get there faster.
Standby Cash allows you to access between $100 and $1,000 with no interest or fees when you sign up for automatic payments and pay it back over three months. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances††.
$50 Safety Zone℠
If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee thanks to our $50 Safety Zone##.
We give you more time to make a deposit in order to avoid an overdraft or return fee with 24-Hour Grace. And, it's free with all Huntington checking, savings, and money market accounts##.
Huntington Mobile App
Whether at home or on the go, you can quickly and securely check balances, pay bills, deposit checks, and more with our mobile app. Download the app and your accounts are a tap away.
To be eligible for this offer, click Open at a Branch from this page, so that the promotion code is emailed to you and taken to a branch to be applied at the time of account opening. This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin.
‡‡To qualify for the $300 cash bonus, you are required to open a new, qualifying Huntington Platinum Perks Checking account by October 7, 2022 and make cumulative new money deposits into the checking account of at least $25,000 or more within 60 days of account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing CDs). Account must maintain an open status for at least 90 days before it is eligible to receive the bonus payment.
Your $300 bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus.
This offer is only available to new checking customers. All existing Huntington checking customers, including those with any relationship (including ﬁduciary) to any other Huntington checking account, or those who closed a checking account within the last six months, are not eligible.
This offer cannot be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.
¶With Huntington Platinum Perks Checking, we'll waive all & with Huntington Perks Checking your first 5 non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
^The Monitoring Services are optional and are not available with all accounts, Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Experian Partner Solutions Study, 2022. Huntington Bank Customers that subscribed to Credit Score and ID Monitoring Services between December 2020 and December 2021, with bundles including periodic credit reports, VantageScores, and/or summaries. VantageScore change measured 3, 6, 9, and 12 months post-enrollment.
‡Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. You can avoid the monthly checking maintenance fee for any statement period for Huntington Platinum Perks Checking if you have $25,000 in monthly deposits or if you keep a Total Relationship Balance of at least $25,000 in eligible deposits. Eligible deposits are held directly with us or investments made through our affiliate, The Huntington Investment Company. They include this account and any other checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) owned by you or jointly with someone else. Eligible investments are those in your name which The Huntington Investment Company reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and certain direct investments in mutual funds and annuities, as well as retail life insurance products. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.
Rate displayed applies to all balance tiers and is current as of today's date. Rate is variable and may change; fees may reduce earnings.
ҰThe interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks Checking account. Ask a banker to see a rate sheet for details. Your interest rates and APY will be determined based on your zip code. Please note: If you are an existing Huntington customer with an address outside of our seven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.
ΩThe Home Equity Line of Credit Relationship Discount. The “Rate Discount” consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or “PCL”). To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking or Private Client Account (either account is a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Qualifying balances include your money that is on deposit in all of your Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs)), and individual retirement accounts (IRAs), owned by you or jointly with someone else; and, all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Other eligible accounts include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the HELOC application date and retail life insurance products are excluded from the HELOC qualifying balances. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for the Rate Discount, you will then also qualify for an Annual Fee Waiver ($60) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, that you maintain your qualifying checking account. We will continue to waive your Annual Fee as long as you continue to maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period (“Period(s)”), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.
Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to a new HELOC which is defined as one to a customer without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home’s loan-to-value ratio, lien position, owner occupancy status, applicant’s credit history, and the amount of the credit line. “Prime” and “Prime Rate” mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled “Selected Interest Rates.” Use of the word “Prime” does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 4.75% APR as of June 16, 2022. Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $300 and will apply when closing is facilitated by a third party on Huntington’s behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.
#Qualifying Relationship Balances. Balances include your money that is on deposit in all of your Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs)), and individual retirement accounts (IRAs), owned by you or jointly with someone else; and, all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Other eligible accounts include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the HELOC application date and retail life insurance products are excluded from the HELOC qualifying balances. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources.
≠Mortgage Relationship Discount. Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs)), and individual retirement accounts (IRAs) owned by you or jointly with someone else, and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Eligible accounts also include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the mortgage loan application date and retail life insurance products are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington Platinum Perks or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be held by Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and is assessed net of any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.
ⱠInvestments Relationship Discount. Huntington Financial Advisors® (“HFA”) can help provide planning insight for your finances. This program is offered through Huntington Financial Advisors, which is a federally registered service mark and trade name under which The Huntington Investment Company (“HIC”) offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.
This program offering consists of one hundred (100) commission free online-trades for equities and exchange-traded funds per calendar year, per customer ($6.95 commission thereafter) limited to self-directed orders placed through the HFA Wealthscape Investor online platform.
Eligible customers must have: 1) a Huntington Platinum Perks Checking account or Private Client Account with The Huntington National Bank or its affiliates (“Huntington”), and 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform. All brokerage customers with an open Huntington Platinum Perks Checking account and a signed E-Delivery Agreement for their brokerage accounts are eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please meet with a Financial Advisor.
†Standby Cash is subject to terms and conditions and other account agreements. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of $750 or more, and an average daily balance of $200 or more. Other eligibility requirements apply. An active or recent bankruptcy or other legal process may disqualify you. Line amount and ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it's paid to a zero balance. Business checking accounts are not eligible for Standby Cash.
##Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. For more information, please visit huntington.com/safetyzone and huntington.com/grace.
∂Money Scout automatically schedules transfers from your selected checking account and credits your selected savings account. A money market account (MMA) cannot be a selected savings account for use with Money Scout. A scheduled transfer may be canceled before midnight ET on the day it is scheduled. Transfer amounts and frequency may vary and will reduce the money available in your account to cover other transactions. You are responsible for ensuring your account has sufficient funds. You may be charged overdraft fees if your account falls below -$50. Subject to eligibility, terms and conditions, and other account agreements.
^^You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at huntington.com/earlypay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.
Standby Cash®, Money Scout®, 24-Hour Grace®, and Huntington Financial Advisors® are federally registered service marks of Huntington Bancshares Incorporated. Huntington Platinum Perks Checking℠, , Huntington Perks Checking℠, and $50 Safety Zone℠ are service marks of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending. Patents pending for Standby Cash®.
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To speak to a customer service representative, call (800) 480-2265.