Personal Financial Relief Programs for COVID-19


Last updated: 7/15/2021

Financial relief measures for customers affected by the coronavirus.

American Rescue Plan Act of 2021

Huntington remains committed to looking out for our customers and as times of uncertainty continue, we want to reinforce that we are here to act as a guide supporting the financial well-being of our customers.

Recently, Congress passed, and President Biden signed into legislation, a $1.9 trillion relief package providing aid to Americans continuing to struggle with the effects of the COVID-19 pandemic. This legislation offers a new round of stimulus payments, as well as other forms of aid including extension of unemployment programs, expansion of tax credits for families and employers, and support for a nationwide vaccine program.

The new round of stimulus payments will be in varying amounts based upon IRS criteria. Stimulus payment funds will be available by direct deposit for eligible Huntington customers starting March 17, with ACH files received from the federal government prior to that date. (ACH stands for Automated Clearing House and is a network that moves money electronically between financial institutions.) Those who don’t receive direct deposits can expect to receive payment via paper check or prepaid card, delivered over several weeks beginning mid-March.

If you have questions regarding your eligibility or the criteria for stimulus payments, please visit IRS.gov/coronavirus to learn more. Please note: the IRS website will be updated as new information becomes available; please check back periodically.

Huntington is committed to helping you. We know that for so many of you, receiving this financial assistance is vital and we’re here to provide guidance and support. Here are some frequently asked questions to help:

Eligibility is different for everyone and is outlined by the IRS. Please visit the IRS website to see if you are eligible to receive a payment. Please note: the IRS site will be updated as new information becomes available; please check back periodically.

If you’re eligible to receive a payment, it will either be received as a direct deposit right into the account you used when you filed your taxes, or you will receive a paper check or prepaid card by mail.

Direct deposits to eligible Huntington customers will begin March 17, even though ACH files started to be received by financial institutions from the federal government on March 12. It may take a few weeks for all of these stimulus payments to be sent by the IRS to financial institutions for deposit to the accounts for eligible recipients.

For those eligible recipients receiving payment by check or prepaid card, those are also expected to be delivered over several weeks beginning in mid-March. Remember you can make a safe and secure deposit through Mobile Banking by using the Huntington Mobile app.

When you’re looking at transactions in Online Banking or The Hub, the payment will appear as “IRS TREAS” followed by 3 numbers, and then “_TAXEIP3”. These payments will look like the same transaction listing as a tax refund.
No. Be on the lookout for tax fraud and scams during this time. You will not be directly contacted by the IRS, or Huntington, asking for your Social Security number, or any financial information like your bank account number or passwords, or credit card number. Also be vigilant and watch out for text messages, phone calls, websites and social media attempts that request money or personal information.

Seniors should be especially careful during this period. The IRS also reminds retirees who don't normally have a requirement to file a tax return that no action on their part is needed to receive their stimulus payment.

To check on the status of your payment, go to irs.gov/coronavirus/get-my-payment. Please note: the IRS site will be updated as new information becomes available; please check back periodically.

For security reasons, the IRS will mail a letter about the payment to each recipient’s last known address within 15 days after the payment is made. The letter will provide information on how the payment was made and how to report any failure to receive the payment.

For questions on Economic Impact Payments, the most recent information can be found at irs.gov. Please note: the IRS site will be updated as new information becomes available; please check back periodically.

If an account is closed or no longer active when the direct deposit is received, the direct deposit will not go through, and instead, you will be issued a check that will be mailed to the address the IRS has on file for you. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS).

For security reasons, the IRS will mail a letter about the payment to each recipient’s last known address within 15 days after the payment is made. The letter will provide information on how the payment was made and how to report any failure to receive the payment.

A stimulus payment direct deposit will not go through if the person the IRS intends to pay is not an owner of the account or if the first and last names of the intended recipient provided by the IRS do not match the first and last names of an account owner.

Even if your tax refund went into your account successfully, a stimulus payment to the same account may not go through. Your tax refund may have been successfully processed because you consented to a direct deposit to a specific account in your tax filings (known in the banking business as “proactive consent”). No such documentation exists for stimulus payments, so we are required to be more rigorous in matching the names of account owners to the IRS’s intended payment recipient.

Next steps: If your stimulus payment direct deposit is rejected, the IRS will issue you a check that will be mailed to the address it has on file for you. This is generally the address on your most recent tax return or as updated through the United States Postal Service (USPS).

For security reasons, the IRS will mail a letter about the payment to each recipient’s last known address within 15 days after the payment is made. The letter will provide information on how the payment was made and how to report any failure to receive the payment.

For questions on stimulus payment, the most recent information can be found at irs.gov. Please note: the IRS site will be updated as new information becomes available; please check back periodically.

Huntington Consumer Relief Programs

Consumer Payment Deferral

We understand that making payments on your consumer loan may be difficult right now. If you are experiencing a financial hardship and are having trouble making your payments please contact us to discuss available payment options. For those customers with federally backed mortgage loans, Huntington will offer mortgage loan forbearances consistent with the provisions in the CARES act.

  • Homeowner Payment Assistance – Contact (800) 323-9865, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 1:00 p.m. ET  
  • Personal Credit Line Payment Assistance – Contact (800) 250-6660 Monday – Friday 8:00 a.m. to 7:00 p.m. ET
  • Auto Loan Payment Assistance – Contact (866) 480-2234, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 4:00 p.m. ET 
  • Consumer Loan Payment Assistance – Contact (866) 480-2234, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 4:00 p.m. ET

American Rescue Plan Payment Fee Waivers

At Huntington, we understand how vital financial relief programs are, like the American Rescue Plan (stimulus and/or child and dependent tax credit) payments that will be provided to eligible taxpayers. Beginning March 17, 2021, we’ll waive specific fees if an American Rescue Plan payment, that we can properly identify, is deposited into an account that is overdrawn.

  1. We will waive any fees included in that overdraft amount, like overdraft fees, ATM fees, and monthly maintenance fees. This will appear as “Fee Refund” when you review your account transactions; and
  2. For 30 days, we won’t use any money from the American Rescue Plan payment to pay the remaining amount of the overdraft. So, if your account is below $0, we’ll temporarily bring your balance up to $0. This account activity will show as “30-Day Overdrawn Balance Credit” on your statement. Some accounts may not qualify for these 30-Day Balance Credits based on account activity and status.

Note that after 30 days, we may use any money in the account (including American Rescue Plan funds) to pay back the amount of this temporary account adjustment. It will show as “30-Day Overdrawn Balance Debit” in your account. We will send another email about a week before the end of the 30 days to remind you that the balance is due, and you may see those transaction details posted to your account.


Credit Card Payment Assistance

We understand that making payments on your Voice Credit Card® may be difficult right now. For payment deferral requests, contact (800) 372-7725, Monday through Thursday 8:00a.m. to 9:00p.m. and Saturday 8:00a.m. to 4:00p.m. ET.