Huntington 5 Checking®

Upgrade to an Interest-Bearing Checking Account

Huntington 5 Checking earns interest on deposits and offers rewarding benefits.

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Features and Fees

Benefits include:

  • Five fee-free, non-Huntington ATM withdraws per statement
  • Credit score monitoring at no added cost^
  • $50 Safety Zone and 24-Hour Grace®##
  • Extra money when you need it with Standby Cash
  • 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 5 Checking Account Benefits

Upgrade to an Interest-Bearing Checking Account

5 Free ATM Withdrawals
We'll waive 5 non-Huntington ATM cash withdrawal fees and reimburse you for fees charged by another ATM owner.

Credit Score Monitoring At No Added Cost
Receive a monthly VantageScore® and quarterly credit snapshots, a credit score simulator and more^.

Competitive Rates
Get better relationship rates on savings and money market accounts when you own a Huntington checking accountҰ.

Voice Credit Card®
Get 1.05% cash back on purchases made with your linked Voice Credit Card with Rewards#.


Huntington 5 Account Details

Rewarding benefits

Interest Bearing
Earn interest on your balance.

Family Banking
Earn more relationship benefits based on balances in all shared consumer accounts, owned by you or jointly with someone else.

Minimum to Open
No minimum deposit needed to open a Huntington 5 Account.

Monthly Maintenance Fee
$0 if you have $5,000 in total relationship balances. Otherwise $5 a month.


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What is Interest Checking

An interest-bearing checking account earns interest on the money you deposit and you are still able to withdraw from the account without restrictions on the number of transactions you make. Huntington’s interest-bearing checking accounts allow you to earn money on your money plus get great benefits.

Huntington 5 Interest Checking® account benefits include 5 waived non-Huntington ATM withdrawal fees per statement, credit score monitoring, and 24-Hour Grace overdraft fee relief.

Want even more benefits? Consider opening a Huntington 25 Checking® account, our highest interest-earning checking account with even more banking relationship benefits.

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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% 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.

With 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.

#You may qualify for a Bonus on points earned on your Voice Credit Card when you have a linked consumer Huntington 25 or Huntington 5 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.

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. 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.

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.

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.

^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.

##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.

††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 5 Checking®, Huntington 25 Checking®, Voice Credit Card®, 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.