Open a Checking Account Online

Whether you're looking for a checking account with no monthly maintenance fees, an interest-earning checking account, or one with credit score and identity monitoring, we've got what you need. Learn about your options and open your account today in minutes.

Huntington Platinum Perks Checking

Get your money working even harder with our higher interest checking account.

Huntington Perks Checking

Make your relationship with Huntington even more rewarding by upgrading to an interest-bearing checking account.

Asterisk-Free Checking®

A checking account that's free to open and free to maintain.

Compare Checking Accounts

All of our checking accounts are designed with you in mind. We want to help you reach your financial goals through innovative features that help you access money quickly, avoid fees, and simplify your life.

Compare Checking Accounts

All of our checking accounts are designed with you in mind. We want to help you reach your financial goals through innovative features that help you access money quickly, avoid fees, and simplify your life.

Huntington Platinum Perks Checking Apply NowDisclosures Huntington Perks Checking Apply NowDisclosures Asterisk-Free Checking Apply NowDisclosures
Monthly Maintenance Fee ? $0 or $25
No fee with $25,000 in total relationship balances, otherwise $25 a month.
$0 or $10
No fee with $1,000 in total monthly deposits, or $5,000 in total relationship balances, otherwise $10 a month.
$0
No monthly maintenance fee
Interest Bearing ? Yes
Earn 0.03% Annual Percentage Yield (APY) on your deposits. This applies to all balance tiers.
Yes
Earn 0.02% Annual Percentage Yield (APY) on your deposits. This applies to all balance tiers.
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MMA/Savings Relationship Rate Benefit ? Yes
The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks or Huntington Platinum Perks Checking Account.Ұ
Yes
The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks or Huntington Platinum Perks Checking Account.Ұ
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Free Non-Huntington ATM Withdrawals ?
Unlimited
5
5 free per statement cycle.
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Credit Score Monitoring ?
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
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Identity Monitoring ?
Access to tools that can alert you to suspicious activity with your personal information and financial accounts – at no added cost^
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Home Equity Relationship Discount ?
0.15%-0.75% rate discount on a home equity line of credit plus an annual fee waiver. Based on your deposit relationship balances. , #
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Mortgage Relationship Discount ?
Up to 0.50% of portfolio loans or pricing discounts on saleable loans. , #
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Investments Relationship Discount ?
100 commission-free online equity and/or ETF trades per year through Huntington Financial Advisors®
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Free Checks ?
Unlimited
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Checking Account Features

Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.

Standby Cash®

With Standby Cash you can qualify for a $100 to $1,000 line of credit. Just pay it back over three months, and it’s free when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

Overdraft and Return Fee Relief

If you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee thanks to $50 Safety ZoneSM. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to fix it and avoid a fee##.

Zelle®

With just a few taps, send and receive money using your Huntington account with friends and family¶¶ who have a bank account in the U.S.≠≠

The Hub

The digital tools in The Hub makes it easier to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.

Check Deposit Availability

At no extra cost, have instant access to your funds—up to $500—of the checks you've deposited. Plus, All Day DepositSMis also available.‡‡.

Huntington Mobile Banking App

When you open a checking account at Huntington, you'll have free access to our delightfully intuitive mobile app, making managing your money a seamless experience. Quickly and securely check balances, pay bills, and transfer money, no matter where you are.

Learn More

Checking Account FAQs

Answer:

A checking account is an account at a financial institution to store your money, where you can deposit or withdraw money as needed. In the past, you would visit a bank branch to deposit a physical paycheck or withdraw cash from your account. Purchases could be made using a paper check that drew money from your account. While you can still do all of these things, you have many more options now. You can deposit or withdraw money at an ATM, have your paycheck deposited directly into your account, deposit a check through your mobile device, and make purchases with a debit card.

Learn more about the difference between checking and savings accounts.

Answer:

Opening a checking account is easier than ever, especially if you decide to apply online.

  1. Select your preferred checking accounts and compare accounts if you’re unsure which you’d like to choose.
  2. Enter your profile information.
  3. Complete your account usage details.
  4. Choose your service.
  5. Review your account opening documents.

Whether you’re a minor in middle school or high school, or an adult in college, you can open a checking account at Huntington. Keep in mind that if you’re under the age of 18, you must apply for a checking account in-person with a co-signer or joint account holder that is over the age of 18. The co-signer or joint account holder doesn’t need to be a legal guardian but will be contractually obligated on the account. If you’re 18 or older, you can open a checking account online or in-branch without a co-signer.

If you prefer to open your account in person, stop by your local Huntington branch to meet with a banker.

Answer:

  1. Open your new checking account.
  2. Transfer your deposits and payments.
  3. Wait a month before closing your old account.
  4. Close your bank account.

To learn more about opening a new bank account and closing your old one, read our detailed article.

Answer:

At Huntington, you have three easy ways to order checks:

Order checks online:

  1. After you log in, click the Customer Service tab.
  2. Go to Account Services and click Order Checks.
  3. Follow the instructions to complete your order.
  4. If you’d prefer to order your checks directly from Harland Clarke, you can also visit their website to complete an order.

Order checks by phone:

  1. Call (800) 480-2265, daily 7:00 a.m. to 7:00 p.m. ET.
  2. Call Harland Clarke to order checks at (800) 355-8123.

Order checks at a branch:

  1. Visit a bank branch if you need to reorder checks or purchase a cashier's check.
  2. If you're ordering new checks because your checkbook was lost or stolen, contact Huntington immediately at (800) 480-2265 or visit a bank branch.

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Total Relationship Balance. 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.

Ұ Relationship rate benefit. The 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 eleven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.

The 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 5.50% as of July 28, 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. 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.

Free Non-Huntington ATM Withdrawals. With Huntington Platinum Perks Checking we’ll waive all and 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.

^ Monitoring Services. 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.

Investments Relationship Discount. This program is offered through Huntington Financial Advisors, which is a federally registered service mark and trade mark 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.

Investment, Insurance and Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

Standby Cash. 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.

## Overdraft and Return Fee Relief. 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. Learn more at huntington.com/SafetyZone and huntington.com/Grace.

¶¶ Zelle®. For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle® for these types of transactions.

≠≠ Must have a bank account in the U.S. to use Zelle®.

†† Early Pay. 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.

‡‡ Funds Availability. The first $500 of your total daily check deposits made at a branch, ATM, through Mobile Deposit, or Huntington Deposit Scan (for businesses) may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Asterisk-Free Checking®, 24-Hour Grace®, and Standby Cash® are federally registered service marks of Huntington Bancshares Incorporated. Huntington Perks Checking℠, Huntington Platinum Perks Checking℠, $50 Safety Zone℠, and All Day Deposit℠ 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. Standby Cash is patent pending.