$50 Safety Zone℠

We see you adapting to new challenges and still finding ways to look out for each other. And we want to do the same for you.

As a Huntington customer, if you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee thanks to our $50 Safety Zone†.

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How it works.

Let’s say your utility bills get auto-paid two days before your paycheck is direct-deposited. Then, wham—an overdraft just because of bad timing.

Now, you have a $50 Safety Zone, so you won’t be charged an overdraft fee if you accidentally overdraw your account by $50 or less.

And, if you overdraw by more than $50, you have more time to fix it and avoid an overdraft fee with 24-Hour Grace®†.

You deserve a bank that's doing things differently.

No Extended Overdraft Fee, No... Really

With $50 Safety Zone, if your balance is negative up to $50 for five consecutive days or longer, you won't get an extended overdraft fee.

Grace Is Still Our Standard

Overdraw by more than $50? With 24-Hour Grace®, you have more time to fix an overdraft and avoid an overdraft fee.†

No Hidden Cost to Use

As a loyal customer, $50 Safety Zone overdraft fee relief feature comes at no extra cost with a Huntington personal checking, savings, and money market deposit accounts.

†$50 Safety ZoneSM and 24-Hour Grace® do not apply to returned items and their associated fees. Your account will be automatically closed if it remains negative in any amount for 60 days.

We want to help you understand how overdrafts happen, which will help you ditch the fees.

Learn More About Overdrafts

Avoid overdraft fees with these tools and services.

Free Overdraft Protection Transfers

Sign up for Deposit-to-Deposit Overdraft Protection and if your checking account overdraws, we can transfer funds from a linked account‡.

24-Hour Grace Overdraft Fee Relief

We believe grace should be the standard. So when your account is overdrawn, 24-Hour Grace gives you more time to fix it and avoid a fee†.

All Day DepositSM

We give you up until midnight when depositing through ATMs or our mobile app, so you don't have to worry about earlier cut-off times.

Mobile App with Quick Balance

Not only does the Huntington Mobile app let you deposit checks, pay bills and transfer funds — the Quick Balance feature displays your balances with just one tap.

The Hub: Digital Banking Reinvented

The Hub makes it simple to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals.

Huntington Heads Up®

You get alerts§ for news, weather and sports. But how about your money? Huntington Heads Up lets you know exactly where your money is going and provides real-time insights to help you make more informed decisions.

‡The transfer fee is $0, however, regulations limit the number of transfers that can be made on savings and money market accounts during a calendar month or statement cycle. See additional information in the Huntington Consumer Deposit Account Agreement.

§Message and data rates may apply.

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†$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 in any amount for 60 days.

24-Hour Grace® is a federally registered service mark of Huntington Bancshares Incorporated. $50 Safety Zone℠ 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.