Open a Business Analyzed Checking Account

Flexible checking for more complex business banking

Business Analyzed Checking was made to keep up with the high-volume activity and intricate banking needs of your growing business. Customize your account with our wide range of treasury management services, use earnings credits2 to help offset service and transaction fees, and enjoy convenient online access to your account. Visit any Huntington Bank branch to open a Business Analyzed Checking account.

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Business Analyzed Checking account features

No monthly service fee

Waive the $25 monthly service fee by maintaining a personal Huntington Platinum Perks Checking account®, Huntington SmartInvest Checking account®, or a Private Client Checking account1, or by using your earnings credit2 to help offset the monthly service fee.

Offset transaction and cash deposit fees

Transaction and cash deposit fees apply, but can be offset by earnings credit based on your collected monthly average balance3.

Monthly cash deposits up to $25,000

Deposit up to $25,000 in cash or currency at a Huntington branch or ATM per month at no charge; $0.30 fee per $100 deposited over $25,000.

Paperless bank account statements

Receive monthly statements regarding online account activity and account analysis, detailing your account transactions and service charges.

Treasury management tools and services

We offer extensive treasury management services that help protect your information and streamline your financial processes. Access our fraud tools, a discount on payroll services4, or even a desktop check scanner at your business.

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 fee5.

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The Hub for Business

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

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Email and Text Alerts

Free email and text alerts provide updates on your account so you can keep up with your business's finances6.

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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 returns7.

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Digital Banking

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

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Treasury Management and Fraud Tools

Flexible solutions for payables and receivables management, payroll services4 , and electronic and paper-based fraud prevention.

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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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Compare business checking accounts and apply online

Huntington has business checking accounts for businesses of all sizes. Find the account that's right for your business by comparing each of our accounts.

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Compare business savings accounts and apply online

Small business savings accounts from Huntington include high interest savings to money market accounts. Learn more about our offerings for small businesses here.

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Voice Business Credit Card℠

With the Voice Business Credit Card, you choose one of 10 categories where you'll earn 4% cash back on the first $7,000 you spend per quarter, up to $28,000 annually. You also earn 1% cash back on all other purchases8.

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Business Analyzed Checking FAQ

An analyzed business checking account is a unique deposit product specifically for large businesses with high transaction activity, larger balances, and treasury management needs. Analyzed business checking accounts usually offer robust tools and services to help businesses manage transactions and cash flow, and typically offer an earnings credit rate to help offset banking fees.

An earnings credit rate is the interest rate calculated by banks to account for the money held in deposit accounts.

At Huntington, our Business Analyzed Checking account offers earnings credits to help balance service and transaction fees. Our earnings credit rates are determined by the bank and based on several factors including key market rates, competitive environment, and deposit balance.

At Huntington, Business Analyzed Checking is best for larger companies, nonprofits, public funds, and corporations with high monthly transaction volume (more than 600 transactions per month), an average monthly balance of $100,000 or more, and strong treasury management needs.

If you have questions about whether Business Analyzed Checking is right for your business, visit a Huntington branch or call us at 800-480-2001.

You can open a Business Analyzed Checking account by visiting any Huntington branch.

If you have questions on the documents you might need, call us at 800-480-2001 or visit a Huntington branch to learn more, 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.

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Disclosures

1Monthly Checking Maintenance Fee Waiver.The business can avoid the monthly checking maintenance fee for any statement period on this 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. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact 800-480-2001.

2Earnings Credit Rate. Some account service fees and charges for other services added to the account can be offset by earnings credit allowance based on the average collected balance in the account and the Earnings Credit Rate. Overdraft and Return Fees cannot be offset by earnings credit. Talk to a Huntington Banker for more information.

3Transaction. A transaction is not limited to 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 payments transactions made through Huntington's Online Bill Pay service. Branch/ATM Cash Deposits are include up to $25,000 each month, and then $0.30 for each $100 in branch/atm cash deposits in excess of $25,000.

4Paychex. 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.

524-Hour Grace®. 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.

6Alerts. Message and data rates may apply.

7Overdraft Protection. 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.

8Cash Back Rewards. Earn 4% cash back in the one rewards category you choose from ten pre-selected categories, on the first $7,000 you spend per quarter. Earn 1% cash back even after you reach the quarterly limit. Plus earn an unlimited 1% cash back on all other purchases. You may select your category once within the first 30 days of opening a new account, then again prior to the start of each quarter for the next quarter.

Voice℠ and Voice Business Credit Card℠ are service marks of Huntington Bancshares Incorporated.