Personal Financial Relief Programs for COVID-19


Announcing immediate financial relief measures for customers affected by the coronavirus. 

The CARES Act

Huntington remains committed to looking out for our customers and during this time of uncertainty we want to continue to be a guide supporting their financial well-being.  After the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed by Congress, the Treasury Department and IRS announced financial relief to taxpayers in the form of ‘stimulus checks’ or ‘recovery rebates’ known as Economic Impact Payments.   These payments are starting to be distributed (mid-April) and will continue for several weeks. 

Eligible individuals began to receive economic impact payments on Wednesday, April 15 and deposits are expected to continue to post on Wednesdays. Those who don’t receive direct deposits can expect to receive payment via paper check. Check printing is expected to begin the first week in May. If you have questions regarding your stimulus payment, please visit the IRS Get My Payment tool to learn about your eligibility, status, payment type, amount and delivery date.

The CARES Act offers new options regarding retirement account withdrawals, loans and required minimum distributions. Learn more.

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

Direct deposits to eligible individuals will begin on or after April 15, 2020. It may take a few weeks for all of these Economic Impact 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, those are also expected to be delivered over several weeks beginning the first week of May. 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 “TAX REF”. These payments will look like the same transaction listing as a tax refund if you are also expecting one.
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 $1,200 economic impact payment.

To check on the status of your payment, go to irs.gov/coronavirus/get-my-payment.

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.

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). You do not need to call the IRS to change your payment method or update your address at this time.

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.

An Economic Impact 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, an Economic Impact 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 Economic Impact 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 Economic Impact 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). You do not need to call the IRS to change your payment method or update your address at this time.

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.

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
  • Debit Card Assistance – Contact (800) 480-2265, Monday through Sunday 7:00 a.m. to 7:00 p.m. ET

Economic Impact Payment Fee Waivers

At Huntington, we understand how vital financial relief programs are, like the Economic Impact Payments, or "stimulus checks", that were provided to eligible taxpayers. Beginning April 15, we offered to waive specific fees if an Economic Impact Payment were deposited into an account that was overdrawn, and that offer will end October 15. Details included:

  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 stimulus 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.

Note that after 30 days, we may use any money in the account (including stimulus 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.  

Suspension of Savings Transfer Limits

Recently, the Federal Reserve Board announced it would amend “Regulation D” (Reserve Requirements of Depository Institutions) making the amount of allowable transfers and withdrawals from savings and money market accounts unlimited. The Federal Reserve, and Huntington, recognize that you need to be able to access and manage your money right now without restrictions.

Starting April 27, Huntington will:

  • Suspend enforcing withdrawal and transfer limits (six per month or statement cycle) on savings and money market accounts
  • Temporarily remove the fees associated with excess debits or withdrawals on savings and money market accounts to $0