Frequently Asked Questions about The Hub

Can I get The Hub now?
We’re glad you’re excited to see it. We’ll be rolling out The Hub to Huntington customers throughout 2018.
Do I need a new username or password?
No. Continue to use your current username and password to access The Hub.
Where are my accounts?
All of your accounts are listed in the My Accounts column. Click on an account for your transaction history and other account details. Other than this location, nothing about your accounts has changed.
Where can I find online services?
The main navigation has been simplified. Near the top of the page you’ll see four areas:
  1. The Hub, for your accounts and financial tools;
  2. Transfers, to transfer money between your bank accounts;
  3. Bill Pay, to set up and pay bills electronically; and
  4. Service Center, where you can find contact information, view statements, order checks, manage your overdraft options and account settings and more.
Messages, alerts and your profile can be reached using the buttons menus at the top right of the page.
Is there a fee to use The Hub?
No. The Hub and its financial tools are free for Huntington customers.
Can I make a suggestion for The Hub or financial tools?
We’re glad you asked! We’ll occasionally ask for your feedback through pop-up messages, but you don’t need to wait for that to share your ideas. Just click the green chat icon at the bottom right of any screen.
How do I change the layout of my Hub?
At the bottom of The Hub, click the Manage Hub & Tool Views link. Scroll through to the Hub Layout section and select how you want to view your account list and financial tools on the screen.
What security features are part of the Hub?
Your online banking experience at huntington.com is backed by our strong commitment to security and privacy. Learn more at huntington.com/Privacy-Security.
Do The Hub and financial tools work with all my accounts? What if I have both personal and business accounts?
The type of accounts you have will determine which Hub tools are available to you.

If you have both personal and business accounts, all of your accounts will be listed under My Accounts. However, the financial tools available to you will change based on which username you used to log into huntington.com. Some financial tools are exclusive to personal or business accounts.
How do I choose which accounts I want The Hub tools to analyze?
At the bottom of The Hub, click the Manage Hub & Tool Views link. You can select which accounts are included in your financial tools by default. Select at least one of the available accounts for each tool.
What is considered a transaction?
A transaction is any individual credit or debit in your Huntington checking, savings, money market, personal credit line or Voice Credit Card® accounts. Note, eligible accounts may vary for personal and business customers.
In Transaction Detail, what are tags?
Tags in the Transaction Detail window allow you to add a keyword or phrase to your transactions, to help you organize and track your finances. For example, you may choose to tag certain expenses as having been made on vacation or having an impact on your tax filings.
How do I download my transactions?
For personal accounts, click on the account to visit the Account Details page. There you’ll see an option to Download Account Transactions. For business accounts, The Hub’s Transactions tool has a download link. Your transactions can be downloaded into Quicken, QuickBooks and CSV formats.
Can I upload transactions from other financial institutions?
Not at this time. Only transactions from your Huntington accounts are currently included in Transaction, Spend Analysis, Spend Setter, and Cash Flow Forecast. Look for this feature in future.
What are categories and how are they determined?
Categories group together similar transactions to give you an accurate snapshot of where your money goes each month. For example, the category Dining: Coffee Shop would allow you to know just how much of your money went toward lattes. Yep, it’s a lot for us, too. Note, categories vary between personal and business accounts.

Every transaction is automatically assigned a category, initially from this default list. You can re-categorize a transaction anytime. Click on a transaction to bring up the Transaction Detail window. Then click Edit to open the Select Category window.
How do I add, edit or delete a category?
Your spending is organized into category families, such as Dining or Travel.

To add, edit or delete a category, click on a transaction to bring up the Transaction Detail window. Then click Edit to open the Select Category window. Open a category family to add, edit or delete categories. Up to 10 categories can be added to each family. The category family itself cannot be deleted or modified.
Are the categories in my Spend Analysis the same as the Rewards Categories for my Voice Credit Card®?
No. Spend Analysis includes transactions from all of your eligible Huntington accounts and isn't tied to any rewards program. The rewards categories for your Voice Credit Card® are tied only to your Voice Credit Card spending.
My transaction is in the wrong category. How do I move it?
You can re-categorize a transaction anytime. Click on a transaction to bring up the Transaction Detail window. Then click Edit to open the Select Category window.

After you change a category, you will be asked if you’d like to create a rule to automatically assign similar transactions or merchants to your preferred category in the future.
What if I need a different category?
You can create up to 10 categories within each category family to better track your spending. For instance, a purchase at a gas station will be automatically assigned to the Transportation: Gas category. But if you bought groceries there, not gas, you could reassign that transaction to Groceries: Groceries. Say those groceries were snacks for a road trip. You can add a category within Groceries called Road Trip Snacks.
Can I split a transaction into more than one category?
Yes! Let’s say you go to a gas station, and go inside to pay $30 in gas and $10 in snacks. That $40 transaction will automatically be categorized as Transportation: Gas. Click on a transaction to bring up the Transaction Detail window. Then click Edit to open the Split Transaction window.
How are cash and checks categorized?
In your transactions, cash deposits will be categorized within the Income family and cash withdrawals will be considered Financial Activity: Cash Withdrawal. Any check you write will be categorized Financial Activity: Check. To improve the accuracy of your financial tools, you can re-categorize these transactions. Click on the transaction to bring up the Transaction Detail window. Then click Edit to open the Select Category window.

Or you can use a debit or credit card instead of cash or checks. Card transactions provide a clearer picture of your spending habits.
What is Spend Analysis?
On The Hub, Spend Analysis provides you an overview of your spending by transaction category for the current month. Click View Analysis to change the chart’s date range, category display and more.
Which of my accounts are included in Spend Analysis?
For personal accounts, Spend Analysis includes transactions from your Huntington checking and credit card accounts. For business accounts, Spend Analysis includes transactions from your Huntington checking, money market, credit card and credit line accounts.
Can I add transactions from other credit cards or financial institutions to Spend Analysis?
We’re working on it. For now, only your Huntington accounts and credit cards are included.
Can I hide a transaction from Spend Analysis and Spend Setter?
Yes, you can hide transactions so they aren’t included in the Spend Analysis or Spend Setter tools. Click on a transaction to bring up the Transaction Detail window, and check Hide this transaction from financial tools.
How do I see my spending for the previous month?
To see your spending for previous months, click the View Analysis button. On the larger Spend Analysis view, you can change the date range, dive into categories and more.
What is Spend Setter?
Spend Setter helps you control the amount of money you spend within any given month. Many of us don’t have any real idea how much we’re spending on, say, groceries, but with Spend Setter, you can set limits for spending within that category. Then, Huntington will help you stay on track.
How are budgets set up? Can I change them?
If you don’t use the Spend Setter tool within the first 60 days of having access, budgets will be created for your highest three spending categories based on your monthly averages. To edit these budgets, click View Budgets.
How do I create or edit a budget?
In The Hub, click View Budgets. You’ll then be able to edit any budget or create a new one. You can create up to 10 total.
Which of my accounts are included in Spend Setter?
Spend Setter includes transactions from your Huntington checking and credit card accounts.
How often can I change my budgets?
You can change a budget as often as you like. Keep in mind that changes to the budget amount may affect the status of your budget.
How do I know if I’m close to or over budget?
The color of the budget bar will indicate if you are on track (green), off track (yellow) or already over budget (red). In the future, an alert will be available to tell you when your nearing or over your budget.
How long is a budget tracked?
Your budgets reset each calendar month.
How is my total budget calculated?
Your total shows the sum of all your budgets.
What does Look Ahead do?
The Look Ahead will help you see upcoming transactions – including what you scheduled in Bill Pay before they happen. Add patterns of your own for a closer look at what’s coming in and what’s going out.
Which of my accounts are included in Look Ahead?
For personal accounts, Look Ahead includes one Huntington checking account of your choosing. The default account is the one you use for Bill Pay, if applicable. For business accounts, Look Ahead includes checking, savings, money market, credit card and credit line accounts.
Can I link Look Ahead to other calendars, like Outlook or Google Calendar?
Not at this time, but look for additional calendar functions in future.
How far forward and back can I see with Look Ahead?
Look Ahead displays up to two months of scheduled transactions and patterns from today’s date. The tool does not show you past transactions; visit your account details for those.
What are scheduled transactions and patterns?
Look Ahead captures any transfer or bill payment you schedule. Not every repeat transaction is scheduled in Bill Pay. Add a pattern to show upcoming paydays and bills.
How do I add, edit or delete a scheduled transaction or pattern?
You can add a scheduled transaction by setting up a recurring transfer on the Transfers page or a recurring payment using Bill Pay. You can click Manage Calendar to add income and expense patterns that you want to track.

You can edit or delete a scheduled transaction anytime by editing the transaction on the Transfers page or Bill Pay page.

To edit a pattern, click Manage Calendar. Find the pattern and click Edit to open the Edit Pattern window.

You can delete any pattern you’ve manually created in the Edit Pattern window. You can also hide any pattern from the calendar view. For instance, if you pay for swim lessons during the summer, you can hide this pattern during the winter.
What is Cash Position?
Cash Position displays the status of every debit, credit or dollar in your accounts. At a glance, you’ll be able to see your liquidity for your financial planning and management.
Which of my accounts are included in Cash Position?
Cash Position includes transactions from all your Huntington business cash accounts, including checking, savings and money market accounts. To adjust which accounts are included in the calculation, click All accounts, check the accounts you want included and click Apply.
Can I make edits or change the Cash Position?
Cash Position is automatically updated based on your account activity and can’t be manually edited.
What is the Cash Flow Forecast?
Cash Flow Forecast anticipates your income and expenses over time and identifies potential shortfalls before they happen. Think of it as an “early warning system” that can help you take preventative measures.
Which of my accounts are included in Cash Flow Forecast?
Cash Flow Forecast includes transactions from all your Huntington business cash accounts, including checking, savings and money market accounts. To adjust which accounts are included in the forecast, click All accounts, check the accounts you want included and click Apply.
How are the balances in Cash Flow Forecast calculated?
For dates in the past, the balance is your end-of-day balance on that date for all selected accounts. For current and future dates, the balance begins with the current’s day balance and then adds or subtracts scheduled income, scheduled payments and any repeat transaction patterns we find.
What is Cash Reserve?
Cash Reserve is the amount of money you want to have in your account to cover any funding needs or short-term requirements. You set up the amount for your Cash Reserve and, based on your actual balance today and future scheduled and predicted payments, we automatically calculate what your forecasted cash balance will be daily. This way you can see when you are in danger of going below your targeted Cash Reserve. You can adjust your target Cash Reserve amount anytime.
What is Savings Goal Getter?
Savings Goal Getter helps you visualize a Savings Goal - or more than one - by giving it a name, amount and due date to reach it. It's designed to help you put money aside for an Emergency Fund and other specific Savings Goals.
Which of my accounts can have a Savings Goal? Is there a limit to how many I can set up?
You can add Savings Goals to all your Huntington personal savings and money market accounts. You can add up to ten Saving Goals and one Emergency Fund to each account.
How do I put money toward my Savings Goals?
Once you've created your goals, we'll assign money in your savings or money market account towards each goal depending on the goal amount and the date you want to reach it. To add money toward your goals, simply deposit money into your savings or money market account - or transfer from checking - and we'll automatically assign it toward your goals to keep you on track.
How is it determined which goals my money goes to?
Money is assigned first to your Emergency Fund (if you have one) then to additional Savings Goals based on the amounts and due dates you set up. The Savings Goal with the nearest due date will be assigned money first. If more than one goal has the same due date, money will first go to the goal most recently created.
Can I move money between my Savings Goals?
Since money is assigned to your Savings Goals based on due dates, you can change the amount of money in each goal by editing the due dates. Remember, money will always be assigned first to an Emergency Fund (if you’ve created one) and then the Savings Goal with the nearest due date.
Can I see previous Savings Goals?
Once you’ve reached a Savings Goal (congratulations!), we recommend deleting it. At this time, you can’t view deleted Savings Goals.
Can I set up automatic transfers to Savings Goals?
Yes! Setting up automatic transfers from your checking account to your savings or money market account is an easy way to help you reach your savings goals. Remember, you'll need to set up automatic transfers inside your checking account. Learn how at huntington.com/Automatic-Savings.
Do Savings Goals earn interest?
You earn interest on the money in your savings or money market account, whether or not you have created a Savings Goal. The Savings Goal itself does not earn interest.
How do I add or change a Savings Goal?
You can add or change a Savings Goal as often as you like. To create a goal, click Add a Savings Goal, then give it a name, amount and due date. To edit a goal, click Edit next to an individual goal. Remember, changing the amount or due date will change how much and/or how often you need to deposit or transfer money to reach that goal.
How do I change a Savings Goal amount?
On the Savings Goal Getter page, click Edit next to a goal and type in a new amount.
How do I create or edit the name of a Savings Goal?
When you create a Savings Goal, you can give it a name, such as “Vacation” or “New Bike.” To change the name, go to the Savings Goal Getter page and click Edit next to the goal.
How do I delete a goal?
To delete a goal, click Edit next to the goal, then click Delete next to the trash can icon. Remember, if you delete a savings goal, your progress toward other goals for that account will adjust automatically.
How do I view all my Savings Goals?
To see all your goals, click the Manage Savings Goals button on The Hub main page.
How is it determined which goals are shown on the Savings Goal Getter page?
On the Savings Goal Getter page, if you have created an Emergency Fund, that will be displayed first. Additional goals will be listed in the order of nearest due date, whether they are complete or in progress. If more than one goal has the same due date, they will be listed in the order of largest percent complete first. If more than one goal has the same due date and the same percent complete, they will be listed in order of the newest goal first.
How it is determined which goals are shown on The Hub home page?
On The Hub main page, you will see up to three goals in online banking, and one goal in the mobile app. If you have set up an Emergency Fund, that will be displayed first. Additional goals will be listed in the order of nearest due date. If more than one goal has the same due date, they will be listed in the order of largest percent complete first. If all goals have been reached, they will listed be in the order of most recently completed.
How many goals show on The Hub main page?
When you are logged into your account on huntington.com, up to three Savings Goals are shown on The Hub main page. When you log into the Huntington Mobile app, one goal will be listed. To see all your goals, click the Manage Savings Goals button.
How much money should I have in my Emergency Fund goal?
A good rule of thumb is to have at least 3 months of living expenses available for emergencies.
Can I change the goals that are shown on The Hub main page?
While you can't change the rules that determine which goals show up on The Hub main page, you can change elements of a goal that would make it display there. For instance, if you set up an Emergency Fund, that will automatically display on The Hub main page in both online banking and the mobile app. If you change a goal's due date to be sooner than other, that goal will display next after the Emergency Fund.
I have both a savings account and a money market account. How do I select an account to create a Savings Goal?
You can create up to ten Savings Goals for each savings and money market account you have. To create or view goals for a specific account, simply select it from the Select Account drop-down on the Savings Goal Getter page and click Apply.
What happens to my Savings Goals if I overdraft my account?
If your savings account is used for overdraft protection, money is transferred from your savings account to your checking account to cover the overdraft. When money is withdrawn, for any reason, from the account linked to a Savings Goal, it reduces the amount saved towards your Savings Goal and may take you off-track. If you overdraft your account, you may incur Overdraft or Return Fees, whether or not your account is linked to a Savings Goal. Learn how you can avoid fees at huntington.com/Overdraft.
What happens when I complete a Savings Goal?
Congratulations! Saving money can be tough but you did it! Once you complete a goal and are ready to use the money, you'll see Edit and Make a Transfer options. We recommend you transfer or withdraw the money from your savings or money market account to use for the goal. Then delete the goal so that other money in your account isn't assigned to the goal you just completed!
What is the maximum amount I can have for a goal?
You can assign up to $1 million to each Savings Goal.
I have a joint savings or money marketing account. How does that affect my Savings Goals in Savings Goal Getter?
Since every accountholder has their own login information for online banking, they each have the opportunity to use Savings Goal Getter and create their own Savings Goals for the account. Keep in mind, however, that when you log in, you’ll only see the Savings Goals that were created using your login information.
Can I transfer money from an external account into a Savings Goal?
No. Money is assigned to your Savings Goals from the funds in your Huntington savings or money market account. If you want to assign more money to a Savings Goal, you'll first need to deposit additional money into Huntington savings or money market account, or transfer it from your Huntington checking account.