Disclosures
1 Monitoring Services. The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
2 Relationship rate benefit. The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks 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. SmartInvest Money Market Account with relationship-based rates is available to SmartInvest Checking customers. Interest rates and APY will be determined by balance tier and zip code.
3 A Managed Investment account is an account where a advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying Managed Investment accounts include an investment management account offered through the Huntington Private Bank® or an investment advisory account offered through Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Managed Investment accounts are subject to investment minimums and may not be suitable for all investors. Accounts titled as corporate, business, trust and/or ERISA plan are not eligible.
Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
4 Monthly Maintenance Fee Disclosure. For Huntington SmartInvest Checking® you must maintain a Total Relationship Balance of at least $100,000. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank® (Huntington) or eligible investments made through Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and other qualifying accounts on which you are an owner. Eligible investments are those in your name made through Huntington or which AFS reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Accounts established for ERISA plans are not eligible. Investments held in agency and other qualifying accounts with Huntington Private Bank® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.
Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking® if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. You can avoid the monthly checking maintenance fee for any statement period for Huntington Platinum Perks Checking® if you keep a Total Relationship Balance of at least $25,000 in eligible deposits. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank® (Huntington) or eligible investments made through Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and other qualifying accounts on which you are an owner. Eligible investments are those in your name made through Huntington or which AFS reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Accounts established for ERISA plans are not eligible. Investments held in agency and other qualifying accounts with Huntington Private Bank® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.
5 For as long as you qualify for, and maintain, a Huntington SmartInvest Checking® account.
6 The Home Equity Line of Credit Relationship Discount. The "Rate Discount" consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or "PCL"). To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking, SmartInvest Checking or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances ("qualifying balances"). Qualifying balances include money that is on deposit in all Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs), and other qualifying accounts), on which you are an owner; and all Huntington Consumer investments held in brokerage, trust, or investment advisory accounts. Accounts established for ERISA plans are not eligible. Existing annuities with a cash value account balance opened by Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS), are also qualified balances, however, annuity accounts opened on or after the HELOC application date are excluded from the HELOC qualifying balances. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for a Rate Discount, you will then also qualify for an Annual Fee Waiver ($60, $50 in MN) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, for as long as you maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period ("Period(s)"), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.
Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to new HELOC customers which are defined as customers without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home's loan-to-value ratio, lien position, owner occupancy status, applicant's credit history, and the amount of the credit line. "Prime" and "Prime Rate" mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled "Selected Interest Rates." Use of the word "Prime" does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 7.00% as of September 17, 2026. Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $375 and will apply when closing is facilitated by a third party on Huntington's behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.
7 Mortgage Relationship Discount. Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking®, SmartInvest Checking, or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances ("qualifying balances"). Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), other qualifying accounts on which you are an owner), and all Huntington consumer investments held in brokerage, trust, or investment advisory accounts. Accounts established for ERISA plans are not eligible. Existing annuities with a cash value account balance opened by Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS), are also eligible accounts, however, annuity accounts opened on or after the mortgage loan application date are excluded from the Mortgage Relationship Balance. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington Platinum Perks Checking, SmartInvest Checking or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be on deposit at Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and will not include any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.
8 Investments Relationship Discount. This program is offered through Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Ameriprise will offer the discounted brokerage services described below to clients that Huntington Bank identifies as being eligible based on criteria established solely by Huntington Bank.
SmartInvest Checking Benefit: This program offering consists of unlimited commission-free, trades for equities and exchange-traded funds, limited to self-directed orders entered as market orders (as opposed to limit, stop-limit, etc.) through the secure site at ameriprise.com. An order handling fee of $6.00 will still apply to these orders. Eligible customers must have: 1) a SmartInvest Checking account and 2) an open and funded Managed Investment account with Huntington Private Bank or Huntington Financial Advisors (“HFA”). Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply.
Platinum Perks Checking Benefit: This program offering consists of one hundred (100) commission-free trades for equities and exchange-traded funds per calendar year, per customer ($19.95 commission thereafter), limited to self-directed orders entered as market orders (as opposed to limit, stop-limit, etc.) through the secure site at ameriprise.com. An order handling fee of $6.00 will still apply to these orders. Eligible customers must have: 1) a Huntington Platinum Perks Checking® account or a Private Client Account with The Huntington National Bank (Huntington) or its affiliates (“Huntington”), and 2) an HFA brokerage account. All HFA brokerage customers with an open qualifying Huntington checking account are eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer and its specific terms, please contact your Financial Advisor.
Investment, Insurance, and Non-Deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE