Checking Account Features

Fewer Fees, faster access, financial controls, and the know-how you need, in a branch or in your pocket.

Faster Access to Money

For checking customers, we have ways to provide cash when you need it.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early at no cost to you#.

Learn more

Person dancing

Standby Cash®

Once you qualify, instantly access between $100 and $500 with our do-it-yourself, digital only line of credit. Eligibility is based primarily on your checking and deposit history, not your credit score. Just pay a 5% cash advance fee when you make a transfer. Pay it back over three months and there's no monthly interest charge when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

Learn more

Standby Cash screenshot

Fewer Fees

We add a dash of "nobody's perfect" to every account. Because we're human too. 

Asterisk-Free Checking®

Asterisk-Free Checking is free to open and free to maintain. It also comes with access to our powerful digital savings and money management tools in the Hub.

Learn more

$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®. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to fix it and avoid overdraft fees or returns.  

Learn more

Powerful Financial Controls

Our accounts are filled with smart features that make managing your spending and saving a matter of taps.

Digital Tools

Set your financial goals with confidence. With features like Savings Goal Getter, Spend Analysis, Spend Setter, and Look Ahead Calendar, we'll help you see how much you need to save, and track your progress along the way. And they're free with every account.

Learn more

mobile app screenshot

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.

Learn more
mobile app screenshot

Huntington Heads Up®

Huntington Heads Up lets you know exactly where your money is going and provides real-time insights to help you make more informed decisions.

Learn more

We look out for people.

Open a Huntington checking account online today and we'll make a believer out of you.

Compare Accounts

Contact Us

We're here for you—online, by phone, or in a branch.

Automated Assistant

Quick answers when you need them

Speak with Us

We are here to help

Find a Branch

Find your nearest Huntington Branch

  Standby Cash is subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. 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 Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety Zone® services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns 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.

#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 Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

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 and

Message and data rates may apply.

Standby Cash®, Asterisk Free Checking®, 24-Hour Grace® Huntington Heads Up® and $50 Safety Zone® are federally registered service marks of Huntington Bancshares Incorporated. Savings Goal Getter℠, Spend Setter℠, and Look Ahead Calendar℠ 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.