Huntington 5 Checking®

Upgrade to an Interest-Bearing Checking Account

Huntington 5 Checking earns interest on deposits and offers rewarding benefits.
Benefits include:
  • Five fee-free, non-Huntington ATM withdraws per statement
  • Credit score monitoring at no added cost^
  • No overdraft fee $50 Safety Zone##
  • Money Scout automated savings tool

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 5 Checking Account Benefits

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^.

Savings and Money Market

Competitive Rates

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

Credit Card


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

Huntington 5 Account Details

Interest Bearing

Earn interest on your balance.

Family Banking

Earn More

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

Monthly Maintenance Fee

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

Minimum to Open

No minimum deposit needed to open a Huntington 5 Account.

We're here when you need us.

Find a Huntington branch or ATM near you.
- OR -
24-Hour Grace®

We all make mistakes, but our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to avoid an Overdraft Fee##. Learn more.

Money Scout

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.

$50 Safety Zone

If you accidentally overdraw your account, our $50 Safety Zone helps protect you from overdraft fees. ##. Learn more.

The Hub

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.

Online Bill Pay

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.

Huntington Heads Up®

Huntington Heads Up® lets you know exactly where your money is going and provides real-time insights—by email, text, or push alert; to help you make more informed decisions. Learn more.

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.

Apply Now

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

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 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.

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 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 $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.

## $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.

Message and data charges may apply.

Apple®, the Apple logo, iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries.

Huntington 5 Checking®, Huntington 25 Checking®, Voice Credit Card®, 24-Hour Grace® and ® 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. 

We are here to help.

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

Call Us

To speak to a customer service representative, call (800) 480-2265, daily 7:00 a.m. to 7:00 p.m. ET.