Compare Huntington Checking Accounts

Easily compare Huntington SmartInvest Checking℠ and Huntington Platinum Perks Checking℠
to find the right balance of features for you. Choose the best fit and apply online or visit a Huntington branch.

Huntington SmartInvest Checking Apply NowDisclosures Huntington Platinum Perks Checking Apply NowDisclosures
Monthly Maintenance Fee ? $0
No fee with $100,000 in total relationship balances§ and an investment advisory account.#

Those unable to meet both requirements will be transferred into a Platinum Perks Checking account. 
$0 or $25
No fee with $25,000 in total relationship balances, otherwise $25 a month.
All Account Fees Waived Yes
No account fees of any kind; no monthly maintenance fee, overdraft/NSF, wire or money movement fees.

No

All Account Fees Waived on All Consumer Deposit Accounts Yes

No

Interest Bearing ? Yes
There are two tiers to SmartInvest Checking:

Tier 1: You must have at least $100K in total relationship balances. 
Tier 2: You must have at least $1MM in total relationship balances.
Yes

Free Non-Huntington ATM Withdrawals ?
Unlimited
Unlimited
Free Checks ?
Unlimited
Unlimited
MMA/Savings Relationship Rate Benefit ?
We shop the market for you and price the account very competitively based on where the market is right now.
The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks or Huntington Platinum Perks Checking Account.Ұ
Credit Score Monitoring ?
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
Identity Monitoring ?
Access to tools that can alert you to suspicious activity with your personal information and financial accounts – at no added cost^
Access to tools that can alert you to suspicious activity with your personal information and financial accounts – at no added cost^
Home Equity Relationship Discount ?
0.15%-0.75% rate discount on a home equity line of credit plus an annual fee waiver. Based on your deposit relationship balances.
0.15%-0.75% rate discount on a home equity line of credit plus an annual fee waiver. Based on your deposit relationship balances.
Mortgage Relationship Discount ?
Up to 0.50% of portfolio loans or pricing discounts on saleable loans.
Up to 0.50% of portfolio loans or pricing discounts on saleable loans.
Investments Relationship Discount ?
100 commission-free, self-directed online equity and/or ETF trades per year through your brokerage account with Huntington Financial Advisors®
100 commission-free, self-directed online equity and/or ETF trades per year through your brokerage account with Huntington Financial Advisors®

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# An Investment Advisory account is an account where a financial advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying investment advisory accounts include an investment management account offered through the Huntington Private Bank® or an investment advisory account offered through the Bank's affiliated registered investment adviser, Huntington Financial Advisors®. Accounts titled as corporate, business, and/or trust are not eligible.

Non-Huntington ATM. With SmartInvest Checking℠ and Huntington Platinum Perks Checking℠ we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM, as well as any international transaction fees. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM, or other fees charged by the network.

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 eleven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.

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 Platinum Perks Checking℠ if you have $25,000 in monthly deposits or if you keep a Total Relationship Balance of at least $25,000 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.

^ 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 to enroll.

§ Total Relationship Balance. You must maintain a Total Relationship Deposit Balance of at least $100,000. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank® (Huntington) or eligible investments made through our affiliate, Huntington Financial Advisors® (HFA). Eligible deposits 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 Huntington 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, 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® are eligible 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 day by adding the qualifying balances (as we determine them) for all of your eligible accounts. 

The Home Equity Line of Credit Relationship Discount. 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 6.25% as of September 22, 2022. 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, a SmartInvest Checking℠ account, or a Private Client Account with The Huntington National Bank (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.

Investment, Insurance and Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

Huntington SmartInvest Checking℠ and Huntington Platinum Perks Checking℠ are service marks of Huntington Bancshares Incorporated.