Introducing Standby Cash®

Flat tire? Fridge need fixing? Cracked phone screen?

We know expenses add up, emergencies happen, and sometimes money gets tight. That's why we invented Standby Cash.

Huntington customers can qualify for a digital-only $100 to $1,000 line of credit based primarily on their checking deposit history, not their credit score. Just pay it back over three months. And, it's absolutely free when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

Frequently Asked Questions

We could all use a little cash on standby.

If it seems too good to be true, we get that. But for us, it's pretty straight-forward: it's our way of looking out for people. And everyone could use a little help nowadays.

There when you need it

Once you open Standby Cash, you can transfer cash to your checking account instantly. As long as you continue to meet the qualifications, it's there when you need it.

Free Cash on Standby

Just pay it back over three months. And, it's absolutely free when you set up automatic payments. Otherwise a 1% monthly interest charge (12% APR) applies to the outstanding balances. There are no hidden fees: no transfer fees, late payment fees, early repayment fees, or account closure fees.

Why do this?

Huntington looks out for our customers by innovating tools like Standby Cash. If this sounds a little too good to be true, we get that. But it’s not. Financial tight spots happen to everyone, and this is our way of looking out for you.

Three quick facts about Standby Cash

Does it affect your credit?

Once you open Standby Cash, the account and your activity (like how much of a line of credit you qualify for, how much of your line of credit you use, and on-time or late payments to your line of credit) are reported to credit bureaus, so it could positively or negatively affect your credit score.§

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Can it help avoid overdraft fees?

We understand that overdrafts happen. If you are enrolled in Standby Cash, you can access your Standby Cash credit line for help. If you believe you're going to overdraw your account, you can use Standby Cash and make a transfer to prevent the overdraft from occurring. If you do not bring your account positive while 24-Hour Grace is in effect (before midnight central time the next business day), your Standby Cash line will be suspended from further use until your account is no longer negative.

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Helps you live your life

Unexpected expenses? You can use Standby Cash to pay for emergencies that pop up or to get out of a financial tight spot.

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How do I qualify for Standby Cash?

To qualify for Standby Cash, you need $1,000 or more in monthly deposits to a Huntington personal checking account for three consecutive months, and an average daily balance of $200 or more in your checking account. Other eligibility requirements apply, including your recent overdraft and/or return history. Standby Cash is available to Huntington customers with a personal checking account. Find the account that is best for you and get started on your way to qualifying for Standby Cash.

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Ready to get your Standby Cash?

If you're already a Huntington checking customer, you're halfway there.

Log in to online banking or the Huntington Mobile app to see if you qualify.

Open Standby Cash with just a few clicks.

Standby Cash is available for immediate transfer into your checking account.

Clicks or Taps? Either Way, We've Got You.

Access Standby Cash by logging into your account using Huntington Online Banking or the Huntington Mobile App.

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Standby Cash FAQ

What is Standby Cash?

Answer: Standby Cash is a digital-only line of credit available to Huntington customers based primarily on your checking and deposit history, not your credit score. We do not check your credit score prior to you enrolling in Standby Cash, however once you enroll, we will report account activity such as open date, line usage and payment history immediately after enrolling. It’s money you can borrow on an ongoing basis, so long as you remain eligible. Lines of credit allow you to use money, repay it, and then use it again without needing to reapply. Eligibility for Standby Cash is based on your account balances, monthly deposits, and overdrafts. In order to see if you are eligible for Standby Cash, customers will need to enroll in online banking at Huntington.com. For eligible customers who have enrolled in Standby Cash - money can be transferred immediately into your Huntington deposit account and will need to be repaid over 3 months. If you pay back with automatic payments, there are no interest or fees. Without automatic payments, there is 1% monthly interest on your current balance (12% APR).

How does Standby Cash work?

Answer: Upon qualifying for Standby Cash, you have the option to open a Standby Cash account. Once opened, you can transfer any amount up to your Standby Cash credit limit into your account. To pay back Standby Cash free of interest, simply set up automatic payments, and pay back the amount you transferred over 3 months. Without automatic payments, there is 1% monthly interest on your current balance (12% APR). Once the money is paid back, it’s available to use again so long as you maintain eligibility.

Why would Huntington do this?

Answer: Managing money isn’t always easy, there are times when money gets tight - we created Standby Cash to help. We understand unpredictability and what our customers go through. We’re for people, and our mission is to reinvent banking so that it looks out for people, just like you.

How do I qualify for Standby Cash?

Answer: To qualify for Standby Cash, you must:

  • Enroll in online banking.
  • Maintain an open checking account with a minimum of $1,000 deposited each month for three consecutive months.
  • Keep an average daily balance of $200 or more in your checking account for the past 30 days.
  • Have none of your Huntington accounts overdrawn for more than 24 hours.
  • Not have an active or recent bankruptcy or other legal process.
  • Be over 18 years old.
  • Have an address within our service area (Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, South Dakota, Wisconsin, and West Virginia).
  • Be a U.S. citizen or non-U.S. citizen with a social security number or taxpayer identification number.
  • Meet other eligibility requirements, including your recent overdraft and/or return history.

How do I know if I am eligible for Standby Cash?

Answer: Login to online banking at huntington.com or the Huntington Mobile App to check eligibility. Look for Standby Cash under your Credit section on The Hub. If you are eligible, we will show your available line amount there.

I’m a new Huntington customer, how long before I know if I’m eligible for Standby Cash?

Answer: Standby Cash is available to customers once they reach all eligibility requirements, including having $1,000 or more in monthly deposits for three consecutive months, and an average daily balance of $200 or more in your checking account for the past 30 days. Your recent overdraft and/or return history can impact your eligibility. Other eligibility requirements apply.

My Standby Cash credit limit changed, why?

Answer: Standby Cash credit limits are determined based on your deposit activity, account balances, and overdraft history at each statement cycle. You will receive an alert via email and/or text notifying you of any changes to your credit limit. Message and data rates may apply.

I already used Standby Cash once, can I use it again?

Answer: Yes! As long as you continue to meet eligibility requirements, you can use Standby Cash as many times as you need. If you use 90% or more of your Standby Cash credit limit at any point over three consecutive statement cycles, your Standby Cash account will be suspended until the entire balance is paid off.

How long is my Standby Cash account good for/how long do I have access to it? When does it close?

Answer: Your Standby Cash account remains open as long as you remain eligible and your qualifying deposit account remains open. If you want to close the Standby Cash account, contact us at 800-480-2265.

What happens if I close my qualified checking account, do I still have access to my Standby Cash account?

Answer: No. If you close your qualified checking account, you will no longer have access to make additional transfers from your Standby Cash account. Your Standby Cash account will be visible until your outstanding balances are paid off. Once paid off in full, your Standby Cash account will be closed.

How do I repay my Standby Cash line of credit?

Answer: You can make your payments through transfers within online banking, or you can set up automatic payments. Pay it back over three months using automatic payments, and it’s free. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

Can I pay off Standby Cash early?

Answer: Yes, customers can make payments at any time within The Hub in online banking.

What if my Standby Cash payment is late?

Answer: You'll get an alert via email and/or text before your payment is due, and another alert if a payment is past due. Message and data rates may apply. If your account has a past due amount, you won't be able to transfer any more money from Standby Cash. You can still make payments though. Failure to pay can result in account default and closure. We report account activity to credit bureaus, so your use could positively or negatively affect your credit score. To make it more convenient, set up automatic payments so you don’t have to worry about remembering payment dates.

What happens if I don’t have enough money in my account for automatic payments?

Answer: Automatic payments won't overdraw your account. However, automatic payments reduce the amount of money in your account to cover other transactions, so you should ensure your account has sufficient funds. If your account balance doesn't cover an automatic payment on the day it is due, we'll automatically attempt the payment again when you have sufficient funds.

One of my accounts is overdrawn. What happens to my Standby Cash line of credit?

Answer: We understand that overdrafts happen. If you are enrolled in Standby Cash, you can access your Standby Cash credit line for help. If you believe you're going to overdraw your account, you can use Standby Cash and make a transfer to prevent the overdraft from occurring. If you do not bring your account positive while 24-Hour Grace  is in effect (before midnight central time the next business day), your Standby Cash line will be suspended until your account is no longer negative.

Are there really no fees or interest on Standby Cash?

Answer: To skip the interest and enjoy Standby Cash absolutely free, set up automatic payments. Otherwise, you'll pay a 1% monthly interest charge (12% APR) on your current balance at each statement. To avoid interest, set up automatic payments before 5 p.m. ET on your statement date. If your statement date falls on a weekend or holiday, update your settings by 5 p.m. ET the previous business day.

How does opening a new account impact your credit?

Answer: Opening a new account may cause your credit score to fluctuate. Although we don't look at your credit score to determine eligibility, the Standby Cash line of credit will be reported to credit bureaus as a new account. New debt may cause your credit score to drop. But as you continue making on-time payments on your new account, your responsible debt management will also be reflected in your credit report. As a result, you might see your score rebound.

How does your account balance/utilization rate impact your credit score?

Answer: We report the Standby Cash line of credit and its current balance to the credit bureau within 1–2 weeks after opening an account. Utilization rate is the percent of available credit you're using, and it's an important factor in determining your credit score. Higher utilization rates can hurt your score, lower utilization rates can help.

How does your payment history impact your credit score?

Answer: Missed payments can have a negative impact on your credit score. Lenders want to be sure you can pay back debt on time when they are considering you for new credit. On-time payments demonstrate you can manage new debt responsibly and credit scores may improve with positive payment history.

What are key factors for ongoing management of your credit score?

Answer:

Weight Key Factor (FICO®#) Behavior Tips
35% Payment History Make payments on time. Enroll in automatic payments.
30% Credit Usage Keep your credit utilization ratio low (less than 30% of your available credit is recommended).
15% Credit History Length The longer your credit history, the higher your credit score may be.
10% Credit Mix Carry a diverse portfolio of credit accounts, which might include a mix of car loans, credit cards, student loans, mortgages, or other credit products.
10% New Credit Too many accounts or inquiries can indicate increased risk and could lower your score.

Can I request a higher credit limit?

Answer: Standby Cash credit limits are based on your deposit activity, account balances, and overdraft history. While you can’t request a change, you might become eligible for a higher amount based on your account activity. If you need access to more money, talk to your Huntington banker about other options like a personal loan.

Is there a limit to how much of the Standby Cash account I can use?

Answer: You can transfer any amount of Standby Cash, from $1 to your full Standby Cash credit limit. You can make multiple transfers and pay back each transfer in equal installments over three months. If you use 90% or more of your Standby Cash at any point three months in a row, your account may be suspended until you pay back the full amount you've used. Don’t forget that a high credit utilization rate (the amount of total available credit that you are using) has the potential to negatively impact your credit score.

What is a line of credit and how does it work?

Answer: A line of credit is money you can borrow on an ongoing basis. With a line of credit, you can have access to funds as needed, within a predetermined credit limit. Lines of credit allow you to use money, repay it, and then use it again without needing to reapply.

What does 12% APR mean?

Answer: APR stands for Annual Percentage Rate. It is the amount of interest you will pay annually on money that you borrow. If you do not set up automatic payments to repay your Standby Cash, you will pay a 1% monthly interest charge (12% APR) on outstanding balances.

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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 or return fees 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 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.

§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.

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.

#My FICO. Accessed 2021.

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

24-Hour Grace® and Standby Cash® 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. $50 Safety Zone is a service mark of Huntington Bancshares Incorporated.