Welcome to University of Minnesota Banking at Huntington

Introducing banking built to look out for the campus community.

Gophers® and Bulldogs® can open a Huntington Perks Checking® account with special benefits. And, choose from a range of debit card designs, including a University of Minnesota debit card.

University of Minnesota arch

Huntington Perks Checking

Building a relationship with Huntington has its perks, and a great place to start is Huntington Perks Checking. Perks Checking is an interest-bearing checking account with no minimum required to open that’s loaded with features designed to make your relationship with Huntington even more rewarding.

Plus, students, faculty, staff, alumni, and season ticket holders can activate a special monthly maintenance fee waiver by visiting a branch.

You must visit a branch to activate the special monthly maintenance fee waiver.§

Open Online    See all features & fee information

Opening a Huntington account is voluntary and is not required to obtain student financial aid or other University of Minnesota services. University of Minnesota may receive a financial benefit when its faculty, staff or students open a Huntington account. Other accounts are available, visit a branch for more information

International Students
To apply for a checking account, visit any Huntington branch. Bring passport, I-20 Form, I-94 Form and U-Card. You do not need a social security number. At the branch, we can also help you with currency exchange services, notary services, and international wire transfers incoming to the U.S.

Account Perks

No Monthly Maintenance Fee

Students, faculty, staff, alumni and season ticket holders can waive the monthly maintenance fee by visiting a branch and notifying us of your University of Minnesota relationship. Otherwise, you may be charged a $10 monthly maintenance fee unless you make $1,000 in monthly deposits or have $5,000 in total relationship balances.§

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.

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®

Once you qualify, instantly access between $100 and $500 with our do-it-yourself, digital only line of credit. Eligibility is based primarily on your checking and deposit history, not your credit score. Just pay a 5% cash advance fee when you make a transfer. Pay it back over three months and there's no monthly interest charge when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

$50 Safety Zone® 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 Zone®. 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.

Student Banking with Style

Get a U of M or UMD sweatshirt when you deposit $25 or more into your new account. Bring your deposit and a photo ID or account number to a full-service branch on campus. Limit one sweatshirt per customer.#

Gophers and Bulldogs, we've got you covered.

With ATMs and two full-services branches on the Twin Cities campus and ATMs and a full-service branch on the Duluth campus, there's always a Huntington nearby.

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  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 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.

Mastercard, and Mastercard Symbols and Brand Marks are registered trademarks of Mastercard International Incorporated. Third-party logos and product, service, business, institution and team names are trademarks and/or service marks of their respective owners.

§ If you fail to notify us of your University of Minnesota relationship, you may be charged a $10 monthly maintenance fee unless your Total Relationship Balance is at least $5,000.

# Receive a sweatshirt with first deposit of $25 or more into a new campus checking account. Visit an on-campus banking center to verify the deposit and pick up a sweatshirt. Limit one per customer, while supplies last. Recipient is responsible for all taxes. The block M is a mark of the University of Minnesota used under license, and Champ the Bulldog is a mark of the University of Minnesota Duluth used under license. 

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

 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.

With Huntington Platinum Perks 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.

^ 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.

Ұ 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.

## 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.

¶¶ 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®.

†† 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 huntington.com/EarlyPay. 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, or through Mobile Deposit 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.

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