24-Hour Grace® Overdraft and Return Fee Relief for Business

At Huntington, we're for small business. That's why our unique overdraft and return fee relief comes free with all Huntington business Checking, Savings, and Money Market deposit accounts.

24-Hour Grace

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.
Just make a sufficient deposit that meets the following criteria:

Right Time

Make a deposit before midnight Central Time the next business day.

Right Amount

Make a deposit or transfer that brings your account balance positive, including new transactions from that day (such as debit card transactions, written checks, scheduled automatic payments, etc.) plus the total amount of possible return transactions. If not, possible returned transactions will be returned unpaid and overdraft and return fees may be charged.
We want you to avoid overdraft and return fees. Having a clearer understanding of overdrafts and returns is a good place to start.

We believe businesses deserve a little grace.

Businesses are handling these unexpected times with grace, which inspired us to offer some to you. Our unique overdraft and return fee relief feature comes free with all Huntington Business Checking, Savings, and Money Market deposit accounts.

Tips to help you maintain a positive balance.

The best way to protect yourself from overdraft and return fees is to know your balance and keep it positive. We can help you do that when you:

Link your accounts.

Link your savings or money market account to your checking account, and when you overdraw, we’ll transfer your money to cover the deficit, free of charge.

Learn More

Set up account alerts.

Sign up for our free text and email account alerts, and we’ll let you know when your balance gets too low. Message and data rates may apply.

Learn More

Get more time, not more fees.

We designed 24-Hour Grace to make banking more convenient by giving you more time to make a deposit when your account is overdrawn. But there are some important details to ensure you can take advantage of this feature.

Answer: Here’s how that works. When you do not have enough money in your account, the bank decides whether it will pay or return an item. An overdraft occurs when you don’t have enough money in your account to cover a transaction, and the bank pays it. Examples are overdrafts caused by check, in-person withdrawal, debit card purchase, ATM withdrawal or other electronic means.

A return occurs when you don’t have enough money in your account to cover a transaction and the bank does not pay it. Examples of returns include checks and electronic payments.

Answer: 24-Hour Grace; Overdrafts

We will not charge an overdraft fee unless your account is overdrawn by more than $50. When your account is overdrawn by more than $50, 24-Hour Grace gives you more time to make a deposit and avoid overdraft fees. Just make a deposit or transfer that brings your account to a positive balance before midnight Central Time of the next business day.

Example:

Let’s say you start the day with $500 in your account and spend $600, your account balance is now -$100. With 24-Hour Grace, we give you until midnight Central Time the next business day to make a deposit or transfer and avoid overdraft fees.

Make a deposit or transfer that brings your account balance positive, including new transactions that are being processed that day, and we’ll waive the overdraft fees.

24-Hour Grace; Returns

If you forgot about a check you wrote or an automatic payment that was scheduled to debit your account, and don’t have enough funds in your account, 24-Hour Grace gives you more time to make a deposit to cover any transactions that we would have returned unpaid. Just make a deposit, or transfer to bring your account balance positive, including new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments) plus the total amount of possible return transactions before midnight Central Time of the next business day. If not, the transactions will be returned unpaid, and we will charge a return fee for each time we return a transaction (up to four per day).

Example:

You have $500 in your account when your $1,500 loan payment is scheduled to auto-pay. If we decide not to pay that into overdraft, we’ll give you more time to make a deposit, avoid return fees, and have your loan paid with 24-Hour Grace.

Make a deposit or transfer that covers the total amount of your possible return transactions, plus any new transactions that are being processed that day, and we’ll waive the return fees and pay your transaction.

Answer: 24-Hour Grace applies to the following transactions:

a. Overdrafts—Huntington pays a transaction when you don’t have enough money in your account.
b. Returns—Huntington does not pay a check or electronic (ACH) payment when you don’t have enough money in your account. Not all returns may be eligible for 24-Hour Grace.

24-Hour Grace gives you time to act—it doesn’t act for you.

Answer: It’s the bank’s decision whether to make these payments eligible for 24-Hour Grace. Generally, this decision depends on multiple factors related to your banking relationship.

Answer: Checks and automatic (ACH) payments not eligible for 24-Hour Grace will not be paid and you will be charged a return fee (up to four return fees per day), even if you make a deposit to cover these items the next business day.

Answer: Customers enrolled in Huntington Heads Up® alerts§ will receive an email (and/or a text message or push alert) on the morning that they need to make a deposit for 24-Hour Grace. These alerts will let you know whether you have overdraft transactions, possible returned transaction eligible for 24-Hour Grace, or returns not eligible for 24-Hour Grace that you need to address. Additionally, online banking customers will see a notification in their online or mobile Account Details if they are in 24-Hour Grace and a summary of the possible returned transactions.

Answer: These alerts§ and messages are scheduled for delivery the morning of the same business day you need to make a deposit to take advantage of 24-Hour Grace.

Answer: We offer several self-service channels to check your account balance: online and mobile banking, text, and email alerts§, and through our ATMs and telephone banking service.

Answer: You need to check your account balance, but that’s not all. Transactions come to us from many networks and sources at many different times during the day. Some transactions are posted to your account throughout the day, but others can’t be posted until late in the day or very early the next morning when we run our processing. Only you know which checks you wrote or payments you authorized before they get to us, so the best way to stay on top of your correct balance is to continue keeping track of all your transactions.

Answer: No. 24-Hour Grace is not an overdraft service that lets you spend more money than you have. Instead, it’s a service that gives you more time to make a deposit to avoid overdraft and return fees and have your possible returns paid.

Answer: Overdrafts Only

If your account is overdrawn, make a deposit or transfer that brings your account balance positive (or to at least -$50), including new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments), and we’ll waive overdraft fees.

Example:

Let’s say you start the day with $500 in your account and spend $600, your account balance is now -$100. With 24-Hour Grace, we give you until midnight Central Time on the next business day to make a deposit or transfer and avoid overdraft fees.

Make a deposit or transfer that brings your account balance positive, including new transactions that are being processed that day, and we’ll waive the overdraft fees. In this example, making a deposit of at least $50 would be enough to waive the overdraft fees ($600 utility bill - $500 already in your account - $50 cushion ).

Eligible Returns Only

If your account has returns eligible for 24-Hour Grace (but is not overdrawn), and you make a deposit that covers the total amount of possible return transactions plus any new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments), we’ll waive return fees and pay the possible return transactions. If a sufficient deposit is not made, the transactions will be returned unpaid.

Example:

You have $500 in your account when your $1,500 loan payment and $100 electric bill are scheduled to auto-pay that day. If we decide not to pay those into overdraft, we’ll give you more time to make a deposit, avoid return fees, and have your transactions paid with 24-Hour Grace.

Make a deposit or transfer that covers the total amount of your possible return transactions, plus any new transactions that are being processed that day, and we’ll waive the return fees and pay your transactions. In this example, a deposit of at least $1,490 ($1,500 loan payment + $100 electric bill - $60 account balance - $50 cushion) would be enough to waive the return fees and pay your transactions. Any deposit less than $1,490 would result in both the loan payment and electric bill being returned unpaid even if the deposit was enough to cover one transaction or the other.

Overdrafts & Eligible Returns

If your account is overdrawn and has eligible returns, make a deposit or transfer that brings your account balance positive (or to at least -$50), including new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments) plus the total amount of possible return transactions, and we’ll waive overdraft and return fees and pay the possible return transactions.

If your deposit is enough to bring your account balance positive (or to at least -$50) but not enough to cover the total amount of possible return transactions, we’ll waive the overdraft fees but your possible return transactions will be returned unpaid and return fees charged (up to 4 per day).

Example:

Let’s say you have $60 in your account when you spend $200 with your debit card. That same day, the $700 check you wrote is being processed. With 24-Hour Grace, we’ll give you more time to make a deposit, avoid overdraft and return fees, and have your transactions paid (if we decide not to pay your loan payment into overdraft).

Make a deposit or transfer that brings your account balance positive, including new transactions that are being processed that day, plus the total amount of your possible return transactions, and we’ll waive the overdraft and return fees and pay your loan payment. In this example, a deposit of at least $790 ($700 loan payment + $200 spent - $60 account balance - $50 cushion) would be enough to waive all overdraft and return fees and pay your loan payment. A deposit less than $790 but enough to bring your account balance above -$50 would waive the overdraft fees, but your loan payment would be returned unpaid and a $36 Return Fee would be charged. A deposit of less than $90 would result in overdraft and return fees charged and your loan payment would be returned unpaid.

Answer: You have until before midnight the next business day after your account is overdrawn. A deposit at a Huntington branch needs to be made before branch closing time on the next business day. A deposit, or transfer at an ATM, through online or mobile banking or through our telephone banking service needs to be made before midnight that next business day.

Answer: Acceptable forms of payments include cash or valid check. You can also transfer funds electronically at an ATM or through our online, mobile, or telephone banking services.

Answer: You don’t have to deposit an extra amount to cover the overdraft fees for overdrafts from the prior day or the return fees from the possible returned transactions. We’ll waive those fees as long as you bring your balance positive (including today’s transactions) and cover the total amount of the possible returned transactions. However, you do need to deposit an extra amount to cover any return fees for transactions we returned from the prior day that were ineligible for 24-Hour Grace.

Answer: You can make a deposit or transfer at one of our ATMs or branches, or you can make a transfer through our mobile, online, or telephone banking services. For example, a deposit of cash or a check at a Huntington ATM at 11:30 p.m. C.T. will count, or an online transfer at 11:30 p.m. C.T. will count.

Answer: No. You should always use an ATM to make an afterhours deposit at a branch. You should not use a night depository or drop box, but if you do, that deposit will be credited to your account no earlier than the business day after the day of deposit and will not meet the 24-Hour Grace deadline.

Answer: Unfortunately, if we receive the deposit on midnight Central Time on the next business day or after, your account is considered overdrawn and it will be too late for 24-Hour Grace to work. The deposit must be made before midnight Central Time (or before branch closing time if made at a branch).

Answer: While access to certain deposits may be delayed due to holds or our funds availability policy, these holds and delayed availability will most likely impact payment of your possible return transaction. However, we will still waive the overdraft and return fees if your deposit is sufficient for 24-Hour Grace.

Answer: Business days are Monday through Friday. Saturdays, Sundays, and federal banking holidays are not business days even if our banking offices, ATMs, website, or other services are open or available for use on those days. So, for example, if the overdraft occurs on Friday, you have until before midnight Central Time on Monday (the next business day) to fix the problem. If that Monday is a federal holiday, you have until before midnight Central Time on Tuesday. If you want to make a deposit at a branch, it needs to be before branch closing time.

Answer: The best way to protect yourself from overdraft and return fees is to know your balance and be sure you don’t spend money you don’t have. Here are two more things you can do:

1. Sign up for Overdraft Protection and link a savings account to your checking account. So, if you spend more money than you have in your checking account, we’ll automatically transfer money from your savings to cover the difference—for free.
2. Understand the suite of tools and services Huntington offers to help you avoid overdrafts and return fees. Tools like Huntington Heads Up account alerts§

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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. 24-Hour Grace® is a 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.

The bank systematically evaluates your ability to overdraft based on a variety of factors such as tenure, deposit frequency, overdraft history, bankruptcy history, etc.

We will not charge an overdraft or return fee if you make a deposit that brings your account balance positive or to at least -$50.

§Message and data rates may apply.