Open a Business Checking Account Online

Whether you're looking for no monthly maintenance fees#, an interest-earning checking account, or treasury management solutions, we have what your business needs. Open a business checking account today in minutes.

icon_Business Checking Unlimited Plus

Unlimited Plus Business Checking

Built to support businesses with higher monthly transactions and cash management needs.

$0 or $40
Monthly Maintenance Fee

  • Waive the $40 monthly maintenance fee with $50,000 in total relationship balances or through business owner perks#
  • Unlimited transactions§
  • Interest-bearing account
  • Choice of two bonus services
  • Receive a more attractive Business Premier Money Market account interest rate¥
icon_Business Checking Unlimited

Unlimited Business Checking

Designed for businesses and independent contractors with higher checking activity and greater cash flow needs.

$0 or $20
Monthly Maintenance Fee

  • Waive the $20 monthly maintenance fee with $10,000 in total relationship balances or through business owner perks
  • Unlimited transactions§
  • Choice of one bonus service
icon_Business Checking 100

Business Checking 100

Ideal for start-ups, independent contractors, and small businesses with lower balance and checking activity.

$0
Monthly Maintenance Fee

  • No monthly maintenance fee
  • Up to 100 monthly transactions§
  • Free 120-day trial of our bonus service fraud mitigation tool, Reverse Positive Pay

Let's get down to business.

Answer a few quick questions and we'll recommend which checking and savings account may be right for you.

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Waive your monthly maintenance fee and manage your personal and business accounts with one login.

We’ve added some additional perks for business owners. Now, when you have both qualifying business and personal checking accounts with Huntington, you’ll have another way to waive monthly maintenance fees on your business checking account#, . Plus, you’ll have the ability to switch between your online personal and business profiles with just a click††.

Learn More

Business Checking Features

24-Hour Grace® for Business

Our 24-Hour Grace feature is designed to give you more time to make a deposit in order to avoid an overdraft or return fee.

The Hub

Huntington's digital tools help make managing revenue and expenses easier than ever.

Email & Text Alerts

Free email and text alerts provide updates on your account so you can keep up with your business's finances.

Overdraft Protection

Money can be automatically transferred to your business checking from a linked business savings account, business money market account, business line of credit, or Voice Business Credit Card to cover overdrafts and returns^

Online Banking & Mobile App

Securely monitor and pay bills from your company's accounts on any device through online banking or the Huntington Mobile app.

Treasury Management & Fraud Tools

Flexible solutions for payables and receivables management, payroll services, and electronic and paper-based fraud prevention.

Bonus Business Checking Account Services

Choose two bonus services with Unlimited Plus Business Checking, or one service with Unlimited Business Checking. You can switch services at any time to match your needs.

Fraud Mitigation Tool

Our fraud tool, Reverse Positive Pay, provides detection of fraudulent, altered, or counterfeit checks through an online, daily report for you to review. Add Reverse Positive Pay to your account at no charge.

Payroll Discount

Get 10% off payroll services like payroll processing, automatic tax filing and payment, and direct deposit for employees through Paychex.

Wire Transfers

Does your business need to send or receive money quickly and securely? With this bonus service, there’s no charge on two incoming domestic wires per month.

Remote Deposit Capture

Receive a $25/month credit toward your desktop check deposit scanner services.

Returned Deposited Items

We know you can’t always prevent returned deposited items. With this bonus service, there’s no return deposit item fees on up to 25 occurrences per month.

Compare Business Checking Accounts

Compare Business Checking Accounts
Unlimited Plus Business Checking ApplyDisclosures Unlimited Business Checking ApplyDisclosures Business Checking 100 ApplyDisclosures
Included Monthly Transactions§ ? Unlimited Unlimited Up to 100; $0.50 per transaction over 100
Interest Bearing ? Yes - -
Business Premier Plus Money Market Relationship Benefit ? The interest rate on your Business Premier Plus Money Market Account may be better when you also own a Unlimited Plus Business Checking Account¥ - -
Single Login for Consumer and Business Online Banking ? Yes Yes Yes
Unlimited data downloads into business management software (Direct Connect) ? Free Free $15/Month
Monthly Branch and ATM Cash and Currency Deposits and Excess Fees ? Up to $25,000; $0.30 per $100 after Up to $10,000; $0.30 per $100 after Up to $2,500; $0.30 per $100 after
Bonus Services ? Choose 2 Choose 1 120-days free trial to fraud tool
Monthly Maintenance Fee ? $40 fee waived with $50,000 in total deposit relationship balances or with qualifying personal checking account.# $20 fee waived with $10,000 in total deposit relationship balances or with qualifying personal checking account. $0
Paper Statement Fee ? $5.00 paper statement fee can be waived by choosing paperless statements. $5.00 paper statement fee can be waived by choosing paperless statements. $5.00 paper statement fee can be waived by choosing paperless statements.

Business Analyzed Checking

Designed for larger companies with high-volume activity and complex banking needs. Earn credits based on account balances to offset transaction fees, receive access to our site of treasury management tools, and securely monitor your account through online banking or the Huntington Mobile app. Visit a Huntington branch to apply today.

Learn More    Find a Branch

Huntington Debit MasterCard

The Huntington Debit MasterCard® BusinessCard® is a widely accepted payment method for business banking and purchasing. Automatically receive a business debit card at no cost when opening any Huntington business checking account.

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Small Business Debit Card

Business Checking Account FAQs

Answer: A business checking account is an account at a financial institution used to store money, allowing you to deposit or withdraw money for your business as needed. A business checking account can separate your finances from your personal accounts, helping you keep track of your business's money.

Answer: It's recommended that a business bank account be opened at the launch of your business and after any articles of incorporation and other applicable documents have been signed. If you're a part of a non-profit, LLC, or some other business partnership, you can open a bank account after all the documentation associated with the business structure has been formalized.

If you're already completing transactions or conducting business, you should be able to open a business bank account now.

Answer: The kind of documentation required to open a business bank account depends on the type of business and bank. Call us at (800) 480-2001 or visit any Huntington branch to learn more about the specific documentation needed based on your business and the account, but in general you'll need:

  • Valid and official forms of identification
  • Social security number or employer identification number
  • Legal document identifying the structure of the business and name of the business
  • One or more representatives from the business who is authorized to open a bank account on behalf of the company
Additional documents may be required before your business deposit account can be opened. The list provided here may change as applicable state and federal regulations change.

Not every employee or partner of a business is authorized to do banking on behalf of the business. To open an account, you'll need an authorized representative to handle the paperwork with the bank.

Answer: At Huntington, you can open Unlimited Plus Business Checking, Unlimited Business Checking, and Business Checking 100 online in minutes.

To open an account online, you must be a U.S. citizen, 18 years and older, and authorized to open accounts and transact on behalf of the business. You'll then need to gather the required documents and navigate to the correct bank account application, following the directions provided.

Answer: Business bank accounts and commercial bank accounts are both deposit accounts specifically for companies, but they typically accommodate different company sizes. Business bank accounts can benefit a range of business sizes–from start-ups to larger companies with high monthly transaction volume. Commercial bank accounts are best suited for large corporations, public agencies, or not-for-profit organizations with many treasury management needs.

Answer: A business bank account has many advantages:

  • Separation — A business checking account keeps your personal banking accounts separate from your business banking. Separating your business funds from your personal can help provide a clear line of ownership to outside parties and helps keep your accounting more organized.
  • A means to do business — A business checking account lets you process payments in a professional manner. Customers pay the business, not you.
  • Cashflow — Some business accounts come with lines of credit or credit cards and this can help boost your purchasing power when you need to spend money to make money.

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§A “transaction” is any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and bill payment transactions made through Huntington’s Online Bill Pay service.

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/BusinessGrace.

Message and data rates may apply.

^Increments of $100 can be transferred from available funds in a business savings or business money market account, and the transfer fee is $0. See additional information in the Huntington Business Deposit Account Agreement.

Payroll processing services provided by Paychex, a third party commercial vendor. The Huntington National Bank is not an affiliate of Paychex, and does not provide, warrant, or guarantee their products or services.

Huntington Business Checking 100 provides 100 transactions ($0.50 per transaction over 100) during each monthly statement cycle.

¥The interest rate on your Business Premier Plus Money Market Account may be better when you also own an Unlimited Plus Business 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 business 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.

#The business can avoid the monthly checking maintenance fee ($40.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $50,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Platinum Perks Checking℠ Account, Private Client Checking Account, or a SmartInvest Checking℠ Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington's client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.

The business can avoid the monthly checking maintenance fee ($20.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $10,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Perks Checking℠ Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington's client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.

††Business accounts on which you hold at least a 25% beneficial ownership interest according to Huntington’s client records and are a signer on will be available to view through your personal login.

Huntington Deposit Scan® and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. $50 Safety Zone℠ 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.