Checking Account Overview

Huntington checking accounts fit your financial needs.

Open a Checking Account Online

 If you want a basic checking account with no monthly maintenance fee or an interest-earning checking account, we've got the option that's right for you.
No fee free checking account

Asterisk-Free Checking®


Asterisk-Free Checking is free to open and free to maintain, with no minimum balance and no monthly maintenance fees. All without asterisks.

Checking Account Comparison

Huntington 5 Checking®


How about a checking upgrade? With a Huntington 5 Checking account, your money earns interest. Plus you get up to 5 non-Huntington ATM withdrawals each month2.

Checking Account Comparison

Huntington 25 Checking®


Consider moving up to premium. The Huntington 25 Checking account offers higher interest earnings, unlimited non-Huntington ATM withdrawals2, free checks and more.

Checking Comparison

Checking Comparison
Asterisk-Free Checking Account ASTERISK-FREE CHECKING Huntington 5 Checking Account HUNTINGTON 5 CHECKING Huntington 25 Checking Account HUNTINGTON 25 CHECKING
Interest Bearing ? - 0.15%
Annual Percentage Yield
Applies to all balance tiers3.
Annual Percentage Yield
Applies to all balance tiers3.
Monthly Maintenance Fee ? $0
No monthly maintenance fee
or $0 if you have:$5,000 in total Relationships Balances4. Otherwise $5 a month.
or $0 if you have:$25,000 in total Relationships Balances4. Otherwise $25 a month.
Free ATM Withdrawals ? - 5
Waive up to 5 per cycle2
Non-Huntington ATM withdrawals2.
Free Checks ? - - Unlimited

MMA/Savings Relationship Bonus ? - 0.10%
Get a rate bump when you open your checking and link your Relationship MMA/Savings5
Get a rate bump when you open your checking and link your Relationship MMA/Savings5
Credit Card Bonus ? - +10% +10%
No Cost MMA or Savings when linked to checking ? Linked Premier Savings3 Linked Relationship MMA or Relationship Savings7 Linked Relationship MMA or Relationship Savings7
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These benefits come standard
24-Hour Grace®

We all make mistakes, but our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to avoid an Overdraft Fee. Learn more.

All Day Deposit℠

Our deposit day for ATMs and the Huntington Mobile app is up to midnight, so you don't have to rush to beat an early cut-off time. Learn more.

Overdraft Protection

With Deposit-to-Deposit Overdraft Protections, if your checking account overdraws, we can transfer funds from a linked account. For free. Some limitations apply8. Learn more.

Mobile Banking

Check your balance, transfer money, and even deposit checks for free from your phone, tablet or desktop computer. Learn more.

Online Bill Pay

Pay your bills with just a few clicks. Just tell us the payment amount and where to send it, and we'll take care of the rest. For free. Learn More

Email & Text Alerts

Our free Alerts provide real-time updates on your accounts. Carrier's message and data charges may apply. Learn more.

Checking Account Basics

What is a checking account and why do I need one?

A checking account is a secure account at a financial institution to store your money, where you can deposit or withdraw money as needed. In the past, you would visit a bank branch to deposit a physical paycheck or withdraw cash from your account. Purchases could be made using a paper check that drew money from your account. While you can still do all of these things, you have many more options now. You can deposit or withdraw money at an ATM, have your paycheck deposited directly into your account, deposit a check through your mobile device, and make purchases with a debit card.

Learn more about the difference between checking and savings accounts.

Checking Resources

How to Open

Learn the basics of what documents you'll need and how to open a checking account at Huntington.

Switch Banks

Considering a switch to Huntington? Learn how to close your current checking account for a smooth transition.

Banking Options

Find out about joint checking account options and their benefits or student banking resources.
Checks 101
Order New Checks

Got checks? Whether you’re ordering for the first time or need more, find out how to order new checks here.

How to Read a Check

Looking for your account and routing numbers? Learn how to read a check for answers to this question and others.

How to Write a Check

Whether you’re new to writing checks or haven’t written one in a while, get a refresher on how to write a check.

1A random sample of 2,571 Huntington Retail customers were asked to rate their overall satisfaction with their Huntington checking account, on a scale of 1 star representing “not at all satisfied” to 5 stars representing “very satisfied”. Of those customers, 1,724 identified themselves as a current customer, had either an Asterisk Free Checking® (1,497), Huntington 5 Checking® (122), or Huntington 25 Checking® (105) and provided a rating response. The ratings from each customer were then grouped by account type and averaged out to obtain the overall rating for each account. Data was collected in May 2018.

2With Huntington 25 we'll waive all & with Huntington 5 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.

3Rates are variable and may change; fees may reduce earnings. Rates are current as of today's date.

4Total Relationship Balance: You can avoid the monthly checking maintenance fee for any statement period on this checking account when you keep a total relationship balance of at least $25,000 for Huntington 25 and $5,000 for Huntington 5 in a combination of deposits held directly with us or qualified investments made through our affiliate, The Huntington Investment Company. Eligible deposits are this checking account and your personal money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts. Eligible investments are those in your name which The Huntington Investment Company 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 retail life insurance products. You must ask us to link eligible accounts for them to be included in the total relationship balance. Eligible accounts you have linked to other checking accounts cannot be linked to this checking account. We figure the total relationship balance each month by adding the qualifying balances, as we determine them, for all of your eligible linked accounts to the average daily balance of this checking account for the monthly statement period.

5The Relationship Interest Rate increase for Huntington 5 and Huntington 25 Interest Checking is applied after the current interest rate is changed; the additional interest is .10% when linked to a Huntington 5 Checking account and .15% for Huntington 25 Checking Account. The Relationship Interest Rate increase for Relationship Savings, also applies at account opening. Using Huntington 25 Interest Checking as an example, when this account is linked to a Relationship Savings or Relationship Money Market account the customer will qualify for an additional .15% to be added to the interest rate of the Relationship Savings or Relationship Money Market, after any rate change. For example, if a rate is changed to 0.10%, a Relationship MMA with a linked Huntington 25 account would receive 0.25% APY (0.10% + 0.15% Huntington 25 rate increase). For Relationship Savings the .15% increase will be applied at account opening or when the existing savings rate is changed. For the Relationship Money Market the .15% increase will be applied to the account after the original rate is changed.

6There are two options with your Voice Credit Card- a Rewards option, where you can earn points to redeem for cash or merchandise, or a Lower Rate option, with a lower rate than the Rewards option. If you choose the Rewards option and you also open a Huntington 25 or 5 Checking account, you will get a 10% bonus on points earned for Rewards on your Huntington Voice Credit Card. You must maintain your Huntington 5 or 25 Checking account and your Huntington Voice Credit Card to continue to qualify for the 10% Rewards bonus. After your accounts are linked, the 10% bonus is calculated when you earn points on a transaction. The 10% bonus in points will be added to your reward point totals and will be reflected on your credit card statement each month. Please review your Rewards terms and conditions for more information, including when you no longer qualify for rewards because your Voice Credit Card is not in good standing.

7Relationship Money Market Account (MMA): $25 monthly maintenance fee. No fee when MMA account is linked to a checking account with a common owner or average daily balance in MMA is $25,000.00.
Relationship Savings Account (Savings): $10 monthly maintenance fee. No fee when Savings account is linked to a checking account with a common owner or average daily balance in Savings is $2,500.00.
Premier Savings Account (Savings): $4.00 monthly savings minimum balance fee. No fee when savings is linked to a checking account with a common owner or average balance in Savings is $300.00.

8For overdraft protection, we'll waive our daily transfer fee if you sign up for our deposit-to-deposit overdraft plan. Regulations limit the number of transfers that can be made on savings and money market accounts.

Still Have Questions?

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

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(800) 480-2265