Asterisk-Free Checking®

A Checking Account, Free from Minimum Balances

Asterisk-Free Checking is free to open and offers rewarding benefits.

Apply Now

Features and Fees

Benefits include:

  • Free to open and free to maintain
  • No minimum balance requirement
  • Extra money when you need it with Standby Cash
  • $50 Safety Zone and 24-Hour Grace®##
  • Get paid up to two days early with Early Pay††

Innovations designed to help take care of your money.

All of our checking customers get access to products and tools built on forgiveness, faster access to cash, and more automatic saving.

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% Annual Percentage Rate) 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.

## 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.

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 -$50. Subject to eligibility, terms and conditions, and other account agreements.

††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.

Huntington Asterisk-Free Account Benefits

A Checking Account, Free from Minimum Balances

No Monthly Maintenance Fee
No monthly maintenance fee with an Asterisk-Free checking account.

No Minimum To Open
No minimum deposit needed to open an Asterisk-Free checking account.

No Fee Or Minimum Balance
$4 monthly maintenance fee and $300 minimum balance on Premier Savings Account is waived while you maintain your Asterisk-Free checking account.


Still not sure what checking account is best for you?

Three accounts that are uniquely different. Just like you.

Compare Checking Accounts


Huntington Premier Savings

Take the first step toward building your savings today with the Huntington Premier Savings Account — the perfect companion to an Asterisk-Free Checking Account.

Learn more


Switching is Easy

We know it can be confusing switching banks, so we've created a kit to help you. Don't worry, we're with you each step of the way.

Learn More

Find a Huntington branch or ATM near you.
- OR -

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

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% Annual Percentage Rate) 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.

$4; or $0 Monthly Maintenance Fee on a Premier Savings account with average daily balance of $300 or when you own an eligible Huntington checking account. An eligible checking account is owned by you and includes Asterisk-Free Checking, Huntington 5 Checking, Huntington 25 Checking, or Private Client Account.

##Your account will be automatically closed if it remains negative in any amount for 60 days. Learn more at huntington.com/SafetyZone and huntington.com/Grace.

††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.

 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 $-50. Subject to eligibility, terms and conditions, and other account agreements.

Asterisk-Free Checking®, 24-Hour Grace® and Money Scout® are federally registered service marks of Huntington Bancshares Incorporated. Standby Cash and $50 Safety Zone 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.