Check Deposit Availability

Your money. Your moment.

You can instant access up to $500 from checks you deposit, whether it’s at a branch, an ATM, or right from the Huntington Mobile Banking app1. Because waiting shouldn’t be part of the plan.

And with All Day Deposit℠, you’ve got until midnight Central Time (CT) to make those deposits count. More time. More access. More ways to move forward.

Ways to make a deposit

Learn more at Consumer Funds Availability Policy or Business Funds Availability Policy.

Instant access

Get your money faster at no extra cost. You may be eligible for instant access to up to $500 from the checks you deposit, whether it’s at a branch, an ATM, or through the Huntington Mobile Banking app. After you deposit, we’ll let you know how much is available to use right away.

This benefit is available to established Huntington consumer and business deposit customers.

All Day Deposit℠

Bank on your time. Our deposit day ends at midnight Central Time, which means you can deposit checks at ATMs or on the app any time before midnight and still get credit for that day. No early cutoffs. Just more time to make your money work for you.

Mobile and ATM deposit options

Banking hours shouldn’t limit your momentum

When the branch is closed, the Huntington Mobile Banking app is open and ready when you are. Deposit checks securely anytime, day or night. You can also use any Huntington ATM to keep your money moving on your schedule.

Learn More

Find your neighborhood branch or ATM

Need to make a deposit? Once you’ve endorsed your check, you can deposit it at any Huntington ATM. It’s a secure, convenient way to keep your money moving, even outside of banking hours.

Find a Branch

Check deposit availability FAQ

Yes! There's no charge to have instant access of up to $500 of your total check deposits when you make a deposit. Certain exclusions apply, and you should refer to the Funds Availability Policy to see the exclusions.

If your check deposit is less than $500, we'll make the full amount immediately available if you meet the eligibility requirements (and so long as you are not overdrawn). That means if your total check deposits made in one day add up to $350, all $350 will be immediately available to you.

If you have made a check deposit greater than $500, the remaining amount of the deposit above $500 will be available the next business day after the day we receive your deposit.

To be eligible, Huntington customers must have a consumer or business checking, savings, or money market account for more than 30 days, and those account balances cannot be overdrawn.

If you deposit more than one check in one business day, you will receive instant availability on the first $500 deposited to your account. For example, if you deposit five checks of $100 you can expect to have the total $500 of those funds available to you as long as you meet the eligibility requirements.

If you deposit six checks of $100 each, $500 will be immediately available to you, and the remaining $100 will be available the next business day.

When you make a check deposit, the deposit receipt will indicate the amount instantly available to you. This amount is also reflected in your available account balance.

In some cases, deposited funds will be held to ensure the money promised in a check exists before it’s added to your account balance. In the event of a hold, you’ll receive an email when the status of your deposit changes, provided we have your email address on file.

You can also use the Manage Alerts page to set up alerts via text message and push notification.2

Several variables go into determining whether a check deposit can be made instantly available, including the current status of the check writer’s account and your own. In addition, Huntington has safeguards in place to protect your money and help you avoid overdrafts and fees.

DISCLOSURES

1 Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, or through Mobile Deposit 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.

2 Message and data rates may apply.

All Day Deposit℠ is a service mark of Huntington Bancshares Incorporated.