Scarlet and Gray®, right down to your wallet.

Buckeye Banking for Ohio State Students

As the Official Consumer Bank of The Ohio State University®, our relationship with Ohio State runs deep. Huntington has invested in Buckeye Nation™ through $25 million in support funding that Ohio State has dedicated to upgrading classroom technology, funding endowments, providing programming support within Student Life and the Alumni Association, and more.

And with Buckeye Banking™, students can get an Asterisk-Free Checking® account with no monthly maintenance fee and can link the account to their BuckID™.

Aerial photo of Ohio State University campus

Buckeye Banking at Huntington

Asterisk-Free Checking®

A checking account that’s free to open and free to maintain.

With Asterisk-Free Checking, there’s no cost to open and no monthly maintenance fees. But you still get access to features our checking customers love about Huntington, like our delightfully intuitive mobile app and tools that help you strengthen your financial well-being.

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See all features & fee information

Opening a Huntington account is voluntary and is not required to obtain student financial aid or other Ohio State services. Ohio State may receive a financial benefit when its faculty, staff or students open a Huntington account. Other accounts are available, visit a branch for more information.

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International Students
To apply for a checking account, visit any Huntington branch. Bring passport, I-20 Form, I-94 Form and BuckID. You do not need a social security number. At the branch, we can also help you with currency exchange services, notary services, and international wire transfers incoming to the U.S.

Asterisk-Free Checking Keeps It Simple

At Huntington, we look out for you at every step of your banking journey, because we believe everyone deserves a chance at financial success.

No Monthly Maintenance Fee

When you open an Asterisk-Free Checking account, you don’t have to worry about paying a maintenance fee each month.

Free to Open

We don’t charge you a fee to open an Asterisk-Free Checking account.

Account Perks

Buckeye Banking Debit Mastercard

Make every day scarlet and gray with your Ohio State themed Huntington debit card.

Ohio State BuckIDTM

We're the only bank that links your Ohio State BuckID™ to your checking account so you use your BuckID™ at ATMs and make purchases with your PIN.

Checking Account Features

Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.

Qualify for Standby Cash®

Once you qualify, instantly access between $100 and $500 with our do-it-yourself, digital only line of credit. Eligibility is based primarily on your checking and deposit history, not your credit score. Just pay a 5% cash advance fee when you make a transfer. Pay it back over three months and there's no monthly interest charge when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

$50 Safety Zone® and 24-Hour Grace®

If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee thanks to $50 Safety Zone®. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to make a deposit to avoid an overdraft fee or having a transaction returned##.


With just a few taps, send and receive money using your Huntington account with friends and family¶¶ who have a bank account in the U.S.≠≠

The Hub

The digital tools in The Hub makes it easier to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.

Check Deposit Availability

At no extra cost, you may have instant access to your funds—up to $500—of the checks you've deposited‡‡. Plus, All Day DepositSM is also available.

How Huntington Supports Ohio State Students

Huntington also supports Ohio State students through paid internships each summer, financial education, and the Huntington International Fellowship program.


BuckID Linking FAQ

Carry just one card. It's all you need! Get cash from any ATM. Huntington ATMs will be fee-free. Use your card to make purchases with a PIN anywhere. Feel better about the requirement of using a PIN for your purchases, making it harder for someone else to use if it's lost or stolen.
1. Choose a Huntington Checking account. 

If you already have a Huntington Checking account, that's great! Go to step 2. If you don't have a Huntington Checking account, you can open one in a branch, online or by calling 1-855-341-4OSU (4678). 

 Here's the information you'll need: 

  •  Valid state issued ID
  •  Your current BuckID 
  •  Your current mailing address 
  •  Your home address 
  •  Phone number 
  •  Social Security Number 
  •  Email address 

2. Make sure you have a new linkable BuckID. 

A linkable BuckID card has a 16-digit account number and the Huntington logo on the back. If yours doesn't, it's not linkable and you need a new one. Contact the BuckID office in the Ohio Union for more info on getting a new card for free at 1-614-292-0400. 

 3. Link your BuckID at any Huntington branch.

You'll have access to two cards - your BuckID and a Huntington Debit Card. Every Huntington Checking account comes with a Debit Card, including exclusive Buckeye designs. You can use your BuckID or your Huntington Debit Card to make PIN-based purchases and ATM withdrawals tied to your checking account, and your Huntington Debit Card for signature-based transactions.
Once your BuckID is linked to your Huntington Checking account, you can use it to: withdraw cash from any ATM, make PIN-based checking account transactions anywhere, and still make BuckID transactions using the stored value on the card as you do already. Just tell the merchant which account to use when both BuckID transactions and PIN transactions are available.
Any time you use your BuckID to make PIN-based purchases or ATM withdrawals, you will see these transactions on your Huntington statement. They come out of your checking balance and will appear with your other checking account transactions. Transactions made within the BuckID merchant network (without using a PIN) will not pull money from your checking account and will not show up on your statement. These transactions will be applied to the stored value already on your card.
Stop into any Huntington branch or call 1-855-341-4OSU (4678).
Visit any Huntington branch or call 1-800-480-BANK (2265) and select option 3 to report your linked BuckID as lost or stolen. Alert the BuckID office at 614-292-5700 immediately in order to suspend your BuckID. Visit a Huntington branch to link your new ID to your checking account.

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  Standby Cash is subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety Zone® services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it’s paid to a zero balance. Business checking accounts are not eligible for Standby Cash.

Huntington is the Official Consumer Bank of The Ohio State University . All trademarks of The Ohio State University used under license. All third-party trademarks belong to their respective owners.

Buckeye Nation, Buckeye Banking and BuckID are trademarks of The Ohio State University and used under license.

Scarlet and Gray is a federally registered trademark of The Ohio State University and used under license.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Mastercard, and Mastercard Symbols and Brand Marks are registered trademarks of Mastercard International Incorporated. Third-party logos and product, service, business, institution and team names are trademarks and/or service marks of their respective owners.

## 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 and

¶¶ For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle® for these types of transactions.

≠≠ Must have a bank account in the U.S. to use Zelle®.

†† You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

‡‡Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, or through Mobile Deposit may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.

Asterisk-Free Checking®, 24-Hour Grace®, Standby Cash®, and $50 Safety Zone®, are federally registered service marks of Huntington Bancshares Incorporated. All Day Deposit℠ 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. Standby Cash is patent pending.