Huntington Perks Checking

Step up to an interest-bearing checking account.

Building a relationship with Huntington has its perks, and a great place to start is Huntington Perks Checking. Perks Checking has no minimum required to open and no monthly maintenance fee when you make $1,000 in total monthly deposits or keep $5,000 in total relationship balances. Otherwise $10 a month.

Plus, it's loaded with features designed to make your relationship with Huntington even more rewarding.

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The Perks of Perks Checking

Perks Checking gives you more opportunities to help you save money and improve your credit health. We strive to make your banking experience convenient and rewarding, because we believe everyone deserves a chance at financial success.

No Monthly Maintenance Fee

No monthly maintenance fee when you make $1,000 in total monthly deposits, or keep $5,000 in total relationship balances. Otherwise $10 a month. And there's no minimum deposit needed to secure your Perks Checking account.

Earn Interest on Deposits

Perks Checking is an interest-bearing account, which means your deposits grow over time.

5 Free ATM Withdrawals

Getting cash when you need it should be easy, so we cover the fees on five non-Huntington ATM withdrawals per statement cycle.

Credit Score Monitoring

Credit reports are helpful, but we go further, with credit score monitoring at no added cost, giving you alerts§§ and insights that can help you improve your score. It could make quite a difference. On average, participating customers received a boost of 23 points in just 12 months.^

A More Rewarding Relationship

As your banking needs grow, Huntington easily shifts with you to accommodate your banking needs. When you open a Perks Checking account, you can access better interest rates on a Huntington Relationship Savings or Huntington Relationship Money Market Account.Ұ

You can also extend the savings of Perks Checking to your family members through all your shared consumer accounts, owned by you or jointly with someone else.

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Checking Account Features

Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.

Qualify for Standby Cash®

A convenient digital line of credit available online or in the Huntington Mobile app. Open it and access the cash you need instantly. Pay it back over three months with automatic payments and there’s no monthly interest charge. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

$50 Safety ZoneSM and 24-Hour Grace®

If you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee thanks to $50 Safety ZoneSM. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to make a deposit to avoid an overdraft fee or having a transaction returned##.


With just a few taps, send and receive money using your Huntington account with friends and family¶¶ who have a bank account in the U.S.≠≠

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.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.

Check Deposit Availability

At no extra cost, you may have instant access to your funds—up to $500—of the checks you've deposited‡‡. Plus, All Day DepositSM is also available.

Hello Neighbor

Huntington has convenient ATMs and branches near you.

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Huntington Mobile Banking App

When you open a checking account at Huntington, you'll have free access to our delightfully intuitive mobile app, making managing your money a seamless experience. Quickly and securely check balances, pay bills, and transfer money, no matter where you are.

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Choose the checking account that's right for you.

Three accounts that are uniquely different. Just like you.

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Money Market Account

Get a Relationship Money Market Account to go along with your Huntington Perks Checking, and there is no monthly maintenance fee.

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Perks Checking Account FAQs


An interest-bearing checking account pays interest on the balance of your account. Earning interest is a unique feature to a checking account, but like any basic checking account, you are still able to withdraw from the account without restrictions on the number of transactions you make.

At Huntington, we offer three interest-earning checking accounts, Perks Checking and Huntington Platinum Perks Checking℠, and and Huntington SmartInvest Checking℠, all built to take your checking account to the next level.


With Perks Checking, there's no minimum balance requirement to open the account, so you won't need to be prepared to make a deposit, but you will need to provide two forms of documentation to confirm your identity.

Acceptable Forms of IDs for Banks:

  • Driver's license
  • REAL ID card
  • DoD ID card (also known as Department of Defense ID Card)
  • Passport
  • Social security card
  • Birth certificate

You can read more detailed information about what is necessary to open a Perks Checking account in our article.


Yes, you can open a Perks Checking account online or in person. Opening a Perks Checking account online is simple and takes just a few minutes. Just choose Apply Online and follow the online instructions.

Whether you’re a minor in middle school or high school, or an adult in college, you can open a checking account at Huntington. Keep in mind that if you’re under the age of 18, you must apply for a checking account in-person with a co-signer or joint account holder that is over the age of 18. The co-signer or joint account holder doesn’t need to be a legal guardian but will be contractually obligated on the account. If you’re 18 or older, you can open a checking account online or in-branch without a co-signer.

If you prefer to open you account in person, stop by your local Huntington branch to meet with a banker.


Yes, Perks Checking allows you to earn interest on your checking balance.

We also offer other, more rewarding checking accounts that earn interest—Huntington Platinum Perks Checking℠ and Huntington SmartInvest Checking℠.


With Perks Checking, you have fee-free access for transactions through Huntington-owned ATMs. We'll also reimburse vendor fees for up to five withdrawals at non-Huntington ATMs each statement cycle.

If you have to use a non-Huntington ATM more than five times per statement cycle, your fees are:

  • $3.50 for each non-Huntington ATM transaction, plus any fee charged by an ATM owner.
  • $2.00 for each Huntington ATM extended statement.

If you want to avoid ATM fees completely, Platinum Perks Checking and SmartInvest Checking waive all non-Huntington ATM cash withdrawal fees at any ATM and reimburses you for withdrawal fees charged by another ATM owner.


Perks Checking offers credit score monitoring at no added cost.^

You can expect to receive:

  • Monthly VantageScore® that shows you the factors that affect your credit score, including payment history.
  • Quarterly Credit Report Snapshot providing you with a shortened version of your credit report.
  • Credit Score Simulator that lets you explore how different actions, such as increasing credit card limits or paying off a loan, may impact your credit score.


You can get free round-the-clock identity monitoring by upgrading to Platinum Perks Checking or SmartInvest Checking. ^


By upgrading to Platinum Perks Checking you may receive up to 100 commission-free, self-directed online equity and/or ETF trades per year through our affiliate, Huntington Financial Advisors

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  Standby Cash is subject to terms and conditions and other account agreements. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance over the last 30 days of $200 or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more 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. Business checking accounts are not eligible for Standby Cash.

Total Relationship Balance. Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking℠ if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. Eligible deposits are deposits held directly with us or investments made through our affiliate, Huntington Financial Advisors® (HFA). They include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name, made through us or which HFA 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 advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank®, as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. 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.

Non-Huntington ATM. With Huntington Platinum Perks Checking and Huntington SmartInvest 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.

§§ Alerts. Message and data rates may apply.

Ұ 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. 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.

^ 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.

Experian Partner Solutions Study, 2022. Huntington Bank Customers that subscribed to Credit Score and ID Monitoring Services between December 2020 and December 2021, with bundles including periodic credit reports, VantageScores, and/or summaries. VantageScore change measured 3, 6, 9, and 12 months post-enrollment.

##$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 and

†† 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 Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

‡‡ Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, through Mobile Deposit, or Huntington Deposit Scan (for businesses) 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.

The Home Equity Line of Credit Relationship Discount. The "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 Platinum Perks Checking℠, SmartInvest Checking℠ or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Qualifying balances include money that is on deposit in all Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs), and individual retirement accounts (IRAs)), on which you are an owner; and all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors® are also qualified balances, however,  annuity accounts opened on or after the HELOC application date 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 a Rate Discount, you will then also qualify for an Annual Fee Waiver ($60, $50 in MN) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, for as long as you 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 new HELOC customers which are defined as customers 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 8.50% as of July 27, 2023. 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 $375 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 Relationship Discount. 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. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking, SmartInvest Checking, or Private Client Account (these accounts are a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”). 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) on which you are an owner), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors®, are also eligible accounts, however, annuity accounts opened on or after the mortgage loan application date 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 Platinum Perks Checking, SmartInvest Checking 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 on deposit at   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 will not include 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.

Investments Relationship Discount. This program is offered through Huntington Financial Advisors® (HFA), which is a federally registered service mark and a trade name under which The Huntington Investment Company ("HIC") offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission. 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.

This program offering consists of one hundred (100) commission-free, online trades for equities and exchange-traded funds per calendar year, per customer ($6.95 commission thereafter), limited to self-directed orders placed through the HFA Wealthscape Investor online platform.

Eligible customers must have: 1) a Huntington Platinum Perks Checking account or a Private Client Account with The Huntington National Bank (Huntington) or its affiliates ("Huntington"), and 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform. All HFA brokerage customers with an open qualifying Huntington checking account and a signed E-Delivery Agreement for their brokerage accounts are eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please meet with a Financial Advisor.


¶¶ 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.

≠≠ Must have a bank account in the U.S. to use Zelle®.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Huntington Financial Advisors®, 24-Hour Grace® and Standby Cash® are federally registered service marks of Huntington Bancshares Incorporated. Huntington Perks Checking℠, Huntington Platinum Perks Checking℠, $50 Safety Zone℠, SmartInvest Checking℠ and All Day Deposit℠ 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.