Faster access to your money

When your money moves faster, life feels a little easier.

Early Pay

Your paycheck, when you need it

With Early Pay, you can get your paycheck up to two days early when you set up direct deposit1. It's a practical way to stay ahead, so you can cover bills, plan your week or just feel more at ease.

Standby Cash®

A little extra, without extra stress

Once you qualify, instantly access between $100 and $750. No credit check. Just pay a 5% cash advance fee. No monthly interest with automatic payments; otherwise, a 1% monthly interest charge (12% APR) applies2.

Fewer fees, more freedom

We all make money moves that don’t go as planned. That's why Huntington bank accounts come with a little built-in understanding—because we're human too.

Asterisk-Free Checking®

No asterisks. Just checking that works.

Asterisk-Free Checking has no monthly maintenance fees and no minimum balance requirements. It's straightforward banking that respects your time and your money.

$50 Safety Zone®

A little cushion when you need it

If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee—$50 Safety Zone gives you a buffer before overdraft fees apply3. It's one more way we help you stay on track.

24-Hour Grace®

More time to make it right

If you overdraw your account, you have until midnight Central Time, the next business day, to make your balance positive and avoid overdraft fees or returns3. Because we all need a little grace sometimes.

Financial control at your fingertips

Our accounts come with valuable features that help you manage your money with confidence.

Digital Financial Tools

Smarter tools for everyday money moves

From budgeting to savings insights, our digital tools are free with every account and built to help you make informed decisions. It's guidance that fits into your day—and helps shape your future.

Huntington Mobile Banking App

Your money, always within reach

Easy financial management—on your time and your terms. Securely check balances, pay bills, and transfer funds, all from your phone.

Huntington Heads Up®

Stay a step ahead

Get real-time alerts about your balance, spending patterns, and upcoming bills. Huntington Heads Up helps you spot trends, avoid surprises, and feel more in control4.

Build your financial know-how

Explore what you might need to open a bank account online or in person.

Checking Basics

Benefits of having a checking account

We've highlighted six benefits that a checking account can provide to help you better manage your money today, tomorrow, and in the future.

Checking Basics

What do you need to open a bank account?

Explore what you might need to open a bank account online or in person.

Disclosures

1 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.

2 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 will 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.

3 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.

4 Message and data rates may apply.