Standby Cash®: a digital line of credit that’s ready when you are

Standby Cash® is a digital-only line of credit for eligible Huntington checking customers. If you qualify, you can access $100 to $750 instantly through the Huntington Mobile app or online banking—no paperwork or branch visit required.

Eligibility is based on your checking and deposit history, not your credit score. A 5% cash advance fee applies when you transfer funds. Repay over three months. Set up automatic payments to avoid monthly interest. Without autopay, a 1% monthly interest charge (12% APR) applies1.

A digital line of credit for the expected—and the unexpected

Fast and convenient

Once you qualify, you can transfer funds instantly to your checking account. Use it again as long as you remain eligible1.

A built-in safety net

Whether it’s a few days before payday or an unexpected expense, Standby Cash® helps you stay prepared.

Credit-friendly

Eligibility is based mostly on your checking and deposit activity—not your credit score. And using it responsibly may help you build credit over time.

Helpful facts before you get started

Does it impact your credit?

Standby Cash® eligibility is based on your checking and deposit history—not your credit score. Once opened, your account activity is reported to credit bureaus, which may affect your credit score positively or negatively2.

It can help you avoid overdraft fees

If your account remains negative after 24-Hour Grace®3 ends (before midnight central time the next business day), your Standby Cash access will be paused until your balance is no longer negative1.

It’s available when you need it

Once you qualify, Standby Cash® is available right away—and stays available as long as you remain eligible. It’s there for planned expenses or unexpected moments.

Check your eligibility for Standby Cash®

Already a Huntington checking customer? You’re almost there.

Standby Cash® is a digital-only line of credit available to eligible Huntington checking customers. If you qualify, you can open it in just a few clicks—no paperwork, no branch visit.

Log in to online banking or the Huntington Mobile app to see if you’re eligible. Once opened, funds are available for immediate transfer to your checking account.

Log in to check your eligibility

Standby Cash FAQ

DISCLOSURES

1 Standby Cash is subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. 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 Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. 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 Zone® 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 will 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.

2 Although we will not use your credit score to determine eligibility, once you open Standby Cash we will begin to report the account and your activity to the credit bureaus. Standby Cash may positively or negatively affect your credit score.

3 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.

4 My FICO. Accessed 2021.

FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.