When you apply online, the interest rate and APY you receive will be based on a Columbus, Ohio-area ZIP code such as 43215 (instead of the ZIP code where you live).
Why open a Huntington 5 Checking account?
Annual Percentage Yield
Applies to all balance tiers. Rates are variable and may change; fees may reduce earnings. Interest-bearing checking account rates are current as of today's date.
Account Relationship Bonus. Get a rate bump on your Huntington Savings or Money Market account (MMA) when you open a Huntington 5 Checking account and link it to your Savings or MMA3.
Other interest-bearing checking account features
Is Huntington 5 Checking right for you?
Kick your checking up a notch with an interest-bearing account. Choose Huntington 5 Checking if you'll be able to maintain the Total Relationship Balance5 minimum, or if you're willing to the pay monthly maintenance fee for the benefits of an annual percentage yield, an Account Relationship Bonus3, and a Credit Card Rewards Bonus2.
Not sure if Huntington 5 Checking is right for you?
All Checking accounts come with these features
If you accidentally overdraw your account we give you more time the next business day to make it right. Learn how to avoid overdraft fees.
It's like applying in a branch. Without having to leave home.
1With Huntington 25 we'll waive all & with Huntington 5 your first 5 non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
2Voice Rewards: There are two options with your Voice Credit Card- a Rewards option, where you can earn points to redeem for cash or merchandise, or a Lower Rate option (not eligible for any rewards), with a lower rate than the Rewards option. If you choose the Rewards option and you also open a Huntington 25 or 5 Checking account, you will get a 10% bonus on points earned for Rewards on your Huntington Voice Credit Card. You must maintain your Huntington 5 or 25 Checking account and your Huntington Voice Credit Card to continue to qualify for the 10% Rewards bonus. After your accounts are linked, your 10% bonus is calculated each day by multiplying the single points and any Triple Reward Category points earned by 10%, rounding each amount separately to the nearest whole point, and totaling these amounts. The 10% bonus in points will be added to your reward point totals and will be reflected on your credit card statement each month. Please review your Rewards terms and conditions for more information, including when you no longer qualify for rewards because your Voice Credit Card is not in good standing.
3The Relationship Interest Rate increase for Huntington 5 and Huntington 25 Interest Checking is applied after the current interest rate is changed; the additional interest is 0.10% when linked to a Huntington 5 Checking account and 0.15% for Huntington 25 Checking Account. The Relationship Interest Rate increase for Relationship Savings, also applies at account opening. Using Huntington 25 Interest Checking as an example, when this account is linked to a Relationship Savings or Relationship Money Market account the customer will qualify for an additional 0.15% to be added to the interest rate of the Relationship Savings or Relationship Money Market, after any rate change. For example, if a rate is changed to 0.10%, a Relationship MMA with a linked Huntington 25 account would receive 0.25% APY (0.10% + 0.15% Huntington 25 rate increase). For Relationship Savings the 0.15% increase will be applied at account opening or when the existing savings rate is changed. For the Relationship Money Market the 0.15% increase will be applied to the account after the original rate is changed.
4$10; or $0 Monthly Maintenance Fee on a Relationship Savings account with average daily balance of $2,500 or when linked to an Huntington 5 Checking account.
5Total Relationship Balance You can avoid the monthly checking maintenance fee for any statement period on this checking account when you keep a total relationship balance of at least $25,000 for Huntington 25 & $5,000 for Huntington 5 in a combination of deposits held directly with us or qualified investments made through our affiliate, The Huntington Investment Company. Eligible deposits are this checking account and your personal money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts. 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. You must ask us to link eligible accounts for them to be included in the total relationship balance. Eligible accounts you have linked to other checking accounts cannot be linked to this checking account. We figure the total relationship balance each month by adding the qualifying balances, as we determine them, for all of your eligible linked accounts to the average daily balance of this checking account for the monthly statement period.
6For overdraft protection, we'll waive our daily transfer fee if you sign up for our deposit-to-deposit overdraft plan. Regulations limit the number of transfers that can be made on savings and money market accounts.
Apple®, the Apple logo, iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries.
Huntington 5 Checking®, Voice Credit Card®, 24-Hour Grace® and ® are federally registered service marks of Huntington Bancshares Incorporated. All Day DepositSM is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat. No. 8,364,581.
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