Huntington 25 Checking®
Our Higher Interest, Most Rewarding Checking AccountHuntington 25 Checking is our highest-yielding checking account that offers rewarding relationship benefits.
Your interest rates and APY will be determined based on your zip code. Please note: If you are an existing Huntington customer with an address outside of our seven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.
Huntington 25 Relationship Benefits
Savings and Money Market
Get better relationship rates on savings and money market accounts when you own a Huntington checking accountҰ.
Credit Score Monitoring
No Added Cost
Receive a monthly VantageScore® and quarterly credit snapshots, a credit score simulator and more^.
No Added Cost
Access to tools that that can alert you to suspicious activity with your personal information and financial accounts^.
Get 1.25% cash back on purchases made with your linked Voice Credit Card with Rewards#.
Home Equity Relationship Discount
0.15%-0.50% rate discount on a home equity line of credit plus an annual fee waiverΩ.
Mortgage Relationship Discount
Get up to 0.375% off portfolio loans or pricing discounts on saleable loans≠.
Investments Relationship Discount
100 commission-free online equity and/or ETF trades per year ($6.95 commission thereafter) through Huntington Financial Advisors®Ⱡ.
Earn more relationship benefits based on balances in all shared consumer accounts, owned by you or jointly with someone else.
Huntington 25 Account Details
Interest Bearing APY§
Earn interest on
all account balance tiers.
Unlimited Free ATM Withdrawals
We'll waive all non-Huntington ATM cash withdrawal fees at any ATM and reimburse you for withdrawal fees charged by another ATM owner†.
Receive free check orders with your Huntington 25 Checking account.
No Monthly Maintenance Fees
$0 if you have $25,000 in total relationship balances. Otherwise $25 a month‡ .
We're here when you need us.
Money Scout analyzes your spending habits, income, and upcoming expenses to find money you’re not using in your checking account—from $5 to $50—and moves it to your savings, automatically∂. Learn more.
The digital tools in The Hub makes it easier to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals. Learn more.
Pay your bills with just a few clicks. Just tell us the payment amount and where to send it, and we'll take care of the rest. For free. Learn more.
Is a high-yield checking account right for you?
Higher-interest? Yes, please! Huntington 25 Checking is our premier checking account, and it comes with our best benefits, including our highest interest rate for a checking account. Choose Huntington 25 Checking if you’ll be able to meet the Total Relationship Balance requirement, or are willing to pay the monthly maintenance fee for the benefits of an Annual Percentage Yield§ , Special Relationship Rates and DiscountsҰ, and a Credit Card Rewards Bonus#.Apply Now
Switching is Easy
ҰThe interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington 5 or Huntington 25 Checking Account. Ask a banker to see a rate sheet for details.
#You may qualify for a bonus on points earned for rewards on your Voice Credit Card when you open a new consumer checking account. You must have chosen the Rewards option on your Voice Credit Card and maintain the consumer deposit account to qualify. If you choose the Rewards option and you also open a Huntington 25 Checking account, you will get a 25% bonus. If you open a Huntington 5 Checking account, you will get a 5% bonus. You must maintain your Huntington 25 or 5 Checking account and your Huntington Voice Credit Card to continue to qualify for the Rewards bonus. After your accounts are linked, the bonus is calculated on the single points earned for each transaction and is not calculated on any bonus points, including any bonus points earned in the 3X Rewards category. Please review your Rewards terms and conditions for more information.
Ω The Home Equity Line of Credit Relationship Discount (“Rate Discount”) consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or “PCL”). To be eligible for the Rate Discount, you must have or open a Huntington 25 Checking or Private Client Account (either account is a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Qualifying balances include your money that is on deposit in all of your Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit ((CDs)), and individual retirement accounts ((IRAs))), owned by you or jointly with someone else; and, all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Other eligible accounts include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the HELOC application date and retail life insurance products are excluded from the HELOC qualifying balances. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for the Rate Discount, you will then also qualify for an Annual Fee Waiver ($60) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, that you maintain your qualifying checking account. We will continue to waive your Annual Fee as long as you continue to maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period (“Period(s)”), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.
Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to a new HELOC which is defined as one to a customer without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home’s loan-to-value ratio, lien position, owner occupancy status, applicant’s credit history, and the amount of the credit line. “Prime” and “Prime Rate” mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled “Selected Interest Rates.” Use of the word “Prime” does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 3.25% APR as of March 17, 2020 . Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $300 and will apply when closing is facilitated by a third party on Huntington’s behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.
≠Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs) owned by you or jointly with someone else), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Eligible accounts also include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the mortgage loan application date and retail life insurance products are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third party sources. Other requirements include an open Huntington 25 or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be held by Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and is assessed net of any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.
## $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 for 60 days.
ⱠHuntington Financial Advisors® is a service mark and trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.
Investment, Insurance and Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
Registered investment representatives with Huntington Financial Advisors® can help provide planning insight for your finances.
Offer terms and conditions: All Huntington Financial Advisors® (“HFA”) customers with an open Huntington 25 Checking® account or Private Client Account ("PCA") through our affiliate, The Huntington National Bank (“Bank”), with a signed E-Delivery Agreement for their brokerage accounts are eligible for 100 commission-free online equity and/or exchange-trade fund (ETF) trades per year, with $6.95 commission per online equity and/or ETF trades thereafter.
The commission-free online equity and ETF trades will be available approximately one week after you meet with a Huntington Financial Advisor to set up an online account. Consistent with the terms of your brokerage account agreement, brokerage accounts are subject to other regulatory, exchange, and account level fees as detailed in HFA’s Brokerage Fee and Commission Schedule. Sales are subject to a regulatory transaction fee of between $0.02 and $0.03 per $1,000 of principal. This appears on your trade confirmations as the Activity Assessment Fee, when applicable.
Your Total Relationship Balance includes consumer deposits held directly with the Bank or investments made through us. Eligible consumer deposits include any checking, money market, savings, certificates of deposit (CD), and individual retirement accounts (“IRAs”) owned by you. Eligible investments are those in your name that HFA reports to the Bank for inclusion in the Total Relationship Balance and generally include investment balances (both IRA and non-IRA) held in brokerage, advisory, or annuity accounts. Investment balances are reflective of the balances provided to Huntington by a variety of third-party sources including, but not limited to, National Financial Services, Fidelity Information Services, various annuity insurance carriers, and other investment providers.
This discounted commission offer applies only to eligible equities and ETFs available through the Wealthscape Investor online platform. The number of year-to-date commission-free online equity and/or ETF trades will be measured across all accounts where you have been identified as an owner. You will be eligible for an additional 100 commission-free online equity and/or ETF trades each new calendar year effective January 1st as long as you maintain the enrollment requirements. Customers who close their Huntington 25 Checking or Private Client Account will lose any remaining commission-free online equity and/or ETF trades and will be migrated to HFA’s standard commission pricing schedule of $19.99 per online trade. No credits will be given for unexecuted trades.
HFA reserves the right to change the offer terms or terminate the offer at any time. This offer is limited to one per customer. You may only enroll for this offer one time per calendar year. This offer only applies to brokerage accounts. This offer is not transferable, saleable, or valid in conjunction with any other offer and is available to U.S. residents only. Market data and security price quotations may be represented on either a real-time or delayed basis (by at least 15 minutes) as indicated through the Wealthscape Investor online platform.
Restrictions apply: the discounted trade commissions do not apply to large block purchases exceeding 10,000 shares that require special handling, restricted stock transactions, or purchases exceeding $100,000. All advisor and Client Services-assisted trades are subject to full standard commission charges. You should review HFA’s Brokerage Fee and Commission Schedule for full fee and commission details. If a trade order placed via the Wealthscape Investor online platform is executed over multiple days, each day's executions for that order will be counted separately and applied against the remaining available commission-free online equity and/or ETF trades available that year.
§Rate displayed applies to all balance tiers and is current as of today's date. Rate is variable and may change; fees may reduce earnings.
‡You can avoid the monthly checking maintenance fee for any statement period for either Huntington 5 or Huntington 25 checking account when you keep a total relationship balance of at least $25,000 for Huntington 25 or $5,000 for Huntington 5 in eligible deposits held directly with us or investments made through our affiliate, The Huntington Investment Company. Eligible deposits are this account and any other checking, money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts owned by you or jointly with someone else. Eligible investments are those in your name which The Huntington Investment Company reports to our deposit system for inclusion in the total relationship balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and certain direct investments in mutual funds and annuities, as well as retail life insurance products. We figure the total relationship balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.
¶Message and data charges may apply.
§§Rates are variable and may change; fees may reduce earnings. Rates are current as of today's date.
∂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.
^The Monitoring Services are optional and are not available with all accounts, Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Huntington 25 Checking®, Voice Credit Card®, and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. Money Scout℠ 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.
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To speak to a customer service representative, call (800) 480-2265, daily 7:00 a.m. to 7:00 p.m. ET.