Faster Access to Money

Standby CashSM

Standby Cash allows you to access between $100 and $1,000 with no interest or fees—just pay it back over three months. And, it's absolutely free when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

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Early Pay

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

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Fewer Fees

$50 Safety ZoneSM

If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee thanks to our $50 Safety ZoneSM.

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24-Hour Grace®

We give you more time to make a deposit in order to avoid an overdraft fee with 24-Hour Grace®. And, it's free with all Huntington checking, savings, and money market accounts.

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Asterisk-Free Checking®

With Asterisk-Free Checking® there is no minimum balance and it's free to open. It also comes with access to our powerful digital savings and money management tools in the Hub.

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Smarter Savings Tech

Money Scout®

When you're enrolled in Money Scout®, it analyzes your spending habits, income, and upcoming expenses to find money you're not using in your checking account—from $5 to $50—then moves it to your savings, automatically§.

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Savings Goal GetterSM

Set financial goals, big or small, and we'll show you how much you need to save to get there. We'll also track your savings progress along the way, helping you get there faster.

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Financial Fitness

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.

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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.

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Spend Analysis

Track how much you're spending, and exactly where you're spending it, in categories like groceries and entertainment. You'll see where your money goes with just a glance.

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Subject to terms and conditions and other account agreements. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account open at least three months with consistent monthly deposit activity of $750 or more. Other eligibility requirements apply. Amount available through Standby Cash is subject to change based on changes to customer eligibility, including checking and deposit activity, overdrafts, and daily balances. A 1% monthly interest charge (12% APR) will be added to outstanding balances if automatic payments are not scheduled. If 100% 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. 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. 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 huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

$50 Safety Zone and 24-Hour Grace® do not apply to returned items and their associated fees. Your account will be automatically closed if it remains negative in any amount for 60 days.

§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 $0. Subject to eligibility, terms and conditions, and other account agreements.

Message and data rates may apply.

24-Hour Grace®, Asterisk Free Checking®, and Money Scout® are federally registered service marks of Huntington Bancshares Incorporated. Standby Cash℠, $50 Safety Zone℠, and Savings Goal Getter℠ are service marks of Huntington Bancshares Incorporated. Standby Cash℠ is patent pending. The 24-Hour Grace® system and method is patented. U.S. Pat. No. 8,364,581.

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