Opening a Huntington account is voluntary and is not required to obtain student financial aid or other University of Michigan services. Other accounts are available, visit a branch for more information.
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University of Michigan Banking is built on our shared passion for developing leaders and serving people. We work together with your community by providing unique opportunities, investments, and financial services benefits.
University of Michigan Banking at Huntington
Huntington Perks Checking®
Building a relationship with Huntington has its perks, and a great place to start is Huntington Perks Checking. Students of the University of Michigan can enjoy Perks Checking on us with no monthly maintenance fee, regardless of how much you keep in your account.
Perks Checking is an interest-bearing checking account with no minimum required to open that’s loaded with features designed to make your relationship with Huntington even more rewarding.
Now available
The official University of Michigan debit card
Show off your school pride with the new University of Michigan Debit Mastercard®.
Checking account features
More than just a checking account
Early Pay
Money that moves when you do
$50 Safety Zone®
A little cushion when you need it
24-Hour Grace®
More time to make it right
Zelle®
Simple, everyday payments, made effortless
Huntington Mobile Banking App
Designed to make everyday money moves easier
Check Deposit Availability
Instant access to deposited checks
University of Michigan FAQ
What's the difference between Asterisk-Free Checking and Huntington Perks Checking?
Asterisk-Free Checking is a Huntington checking account with no monthly maintenance fee and no minimum balance requirement. Huntington Perks Checking is an interest-bearing account. Perks Checking includes all of the benefits of an Asterisk-Free Checking account; plus, your money will earn interest, you'll receive five free non-Huntington ATM withdrawals per statement cycle1, relationship rate features7, and credit score monitoring2. We're offering this account to University of Michigan students without the standard monthly maintenance fee.
What are the ATMs and branch locations around Ann Arbor campus?
Huntington has several convenient branch and ATM locations. See all of our locations on and near campus.
Does it matter which Huntington location I use?
You can use any Huntington location on or off campus and enjoy all the University of Michigan Student banking benefits.
What do I need to do if I am already a Huntington customer?
Switch your account to a Huntington Perks Checking account at any Huntington branch or by calling 800-480-2265. MCard required at account opening.
How do I have the standard maintenance fee removed for the Huntington Perks account?
If you are a student at the University of Michigan, visit any branch or call 800-480-2265 to have a maintenance fee waiver applied to your account.
What do I need to bring to verify I am a student at the University of Michigan?
Bring your University of Michigan MCard. If you have not received your MCard or it is not available, verification can be made by confirming the active status in the online official campus directory.
Is there someone to help me switch my checking account to Huntington?
A Huntington banker can help you with every step of the process. Call the Ann Arbor Northside branch at 734-741-2616 or the Ann Arbor Liberty branch at 734-302-1481 to talk to a banker at these locations.
What's so great about linking my MCard to my Huntington checking account?
You can enjoy the convenience of carrying one card. It's all you need! Get cash from any ATM. There are no cash withdrawal fees charged at Huntington ATMs when you use your MCard or Huntington debit card. Use your card to make purchases with a PIN. Feel better about the requirement of using a PIN for your purchases, making it harder for someone else to use if it's lost or stolen.
How do I link my MCard to my Huntington checking account?
1. Choose a Huntington checking account.
If you already have a Huntington checking account, go to Step 2. If you don't have a Huntington checking account, you can open one in a branch, online, or by calling 800-480-BANK (2265).
Here's the information you'll need:
- Valid government-issued ID
- Your current MCard
- Your current (US) mailing address
- Your (US) home address
- Phone number
- Social Security number or ITIN, if applicable
- Email address
2. Make sure you have a linkable yellow student, staff, or faculty MCard.
A linkable yellow student, faculty or staff MCard is not expired. If yours is expired, it's not linkable and you will need a new one. Contact the MCard administration office for more info on getting a new card at mcardadmin@umich.edu or visit ssc.umich.edu/mcard/get-your-mcard.
3. Link your MCard at any Huntington branch.
Will the MCard be the only card I'll have or will I also get a Huntington debit card
You'll have access to two cards: your MCard and a Huntington debit card. Every Huntington checking account comes with a debit card. You can use your MCard or your Huntington debit card to make PIN-based purchases and ATM withdrawals tied to your checking account, and your Huntington debit card for signature-based or online transactions.
So how do I use my MCard with my checking account?
Once your MCard is linked to your Huntington checking account, you can use it to withdraw cash from any ATM, make PIN-based checking account transactions, and still make MCard transactions using the stored value (Blue Bucks, Dining Dollars, campus meal plan) on the card as you do already. Just tell the merchant which account to use when both MCard transactions and PIN transactions are available.
Will I see the transactions I make with my MCard on my Huntington statement?
Any time you use your MCard to make PIN-based purchases or ATM withdrawals, you will see these transactions on your Huntington statement. They come out of your checking balance and will appear with your other checking account transactions. Transactions made with Blue Bucks, Dining Dollars, or campus meal plans will not pull money from your checking account and will not show up on your statement. These transactions will be applied to the stored value already on your card.
What if I have a question about a transaction?
Stop into any Huntington branch or call 800-480-BANK (2265).
What if my linked MCard is lost or stolen?
Visit any Huntington branch or call 800-480-BANK (2265) to report your linked MCard as lost or stolen. Do not request a replacement card from Huntington. Contact the access control administrator of all locations where the MCard was used.
For example, if it was used in/for:
- Michigan Medicine - Contact the Key & ID Office. After business hours, contact Security Services 734-936-7890
- Housing meal plans or Blue Bucks - Inactivate your lost card online
Where can I get a replacement MCard?
MCard ID stations where a new card can be obtained can be found here. Visit a Huntington branch to link your replacement ID to your checking account.
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Mastercard® and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. All trademarks of the University of Michigan used under license.
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1 Non-Huntington ATM Fees. With Huntington Platinum Perks Checking, we’ll waive all and with Huntington Perks Checking 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.
2 Monitoring Services. 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.
3 Early Pay. 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.
4 $50 Safety Zone and 24-Hour Grace. 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.
5 Zelle®. For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren't sure you will get what you paid for, you should not use Zelle® for these types of transactions. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
6 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.
7 Relationship Rate Benefit. The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks 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.
24-Hour Grace®, $50 Safety Zone®, and Huntington Perks Checking® are federally registered 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.