Open an Unlimited Business Checking Account Online

Designed for businesses and independent contractors with higher checking activity and greater cash flow needs. You get unlimited transactions§, up to $10,000 in cash deposits per month at no charge#, and your choice of one Bonus Service. Apply for the Unlimited Business Checking account online in minutes.

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icon_Business Checking Unlimited

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††.

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Unlimited Business Checking Account Features

No Monthly Maintenance Fees

We'll waive the monthly maintenance fee with a business deposit relationship balance of at least $10,000, or when you maintain a Huntington Perks Checking account; otherwise $20 per month.

Bonus Account Services

Choose one bonus service to help streamline your financial processes and protect your information—choose from our fraud tool, a discount on payroll services, or even a desktop check scanner at your business.

Unlimited Transactions§

Receive unlimited financial transactions each month—including checks paid, incoming ACH debits, and credits, and debit card purchases at no cost.

$10,000 Cash Deposits

Deposit up to $10,000 in cash or currency at a Huntington branch or ATM per month at no charge; $0.30 fee per $100 deposited over $10,000#.

Bonus Business Checking Account Services

With Unlimited Checking, choose one of our great bonus services to match your needs. You can change your bonus service at any time.

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.

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.

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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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

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, or $28,000 annually. You also earn 1% cash back on all other purchases. Plus, there are no annual fees or foreign transaction fees.

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Unlimited Business Checking FAQs

Answer: At Huntington, the Unlimited Business Checking account was built for larger businesses that need to use their checking accounts frequently. This checking account works similarly to our other business checking account options, but you also get your choice of Bonus Service and unlimited transactions.

Unlimited transactions means there's no fee on 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 payments made through Huntington's online bill pay service.

Answer: You can open an Unlimited Business Checking account online or 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.

Answer: No, Unlimited Business Checking is not an interest-bearing account. Huntington offers one business checking account that earns interest: Unlimited Plus Business Checking.

You can also compare business checking accounts to see which is the best for your business.

Answer: There are two options to waive the $20 monthly maintenance fee with Unlimited Business Checking:

1. Business Relationship Balance Benefit: The business can avoid the monthly maintenance fee 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 business 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.

2. Personal Checking Account Relationship Benefit: The business can avoid the monthly maintenance fee for any statement period on this checking account when a business owner maintains a personal Huntington Perks 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.

Answer: Unlimited Business Checking allows for up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge. If you exceed the deposit limit of $10,000 per month, there's a $0.30 fee for each $100 deposited after.

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§A transaction includes 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.

#Huntington Business Checking 100 provides up to $2,500 in cash or currency deposits monthly in-branch or at an ATM at no charge for each statement cycle; $0.30 fee for each $100 thereafter. Huntington Unlimited Business Checking provides up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge for each statement cycle; $0.30 fee for each $100 thereafter. Huntington Unlimited Plus Business Checking provides up to $25,000 in cash or currency deposits monthly in-branch or at an ATM at no charge for each statement cycle; $0.30 fee for each $100 thereafter.

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.

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.

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 charges 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.

††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.

Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.