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24-Hour Grace®

Get More Time, Not More Fees.

24-Hour Grace® is our unique Overdraft Fee relief feature that comes free with all Huntington consumer checking, savings, and money market deposit accounts.

It's designed to make banking with Huntington more convenient by giving you more time to make a deposit when your account is overdrawn.

But there are some important details that you need to understand to ensure you can take advantage of this feature. Get the full story below.

What happens when you try to spend more than what's in your account?

Based generally on your account history, we decide how to handle the transaction and one of the following occurs.

When we allow the
transaction to go through:

We cover your transaction, such as a check, automatic payment, debit card purchase, or ATM withdrawal, and let it go through. As a result, your account balance is below $0 and we charge an Overdraft Fee. Learn More
24-Hour Grace® applies here.

When we stop
the transaction:

Returned Transactions: We don’t allow a check or automatic payment to go through. We return the item and charge a Return Fee. Learn More
Blocked Transaction: We don’t allow a debit card purchase or ATM withdrawal to go through. We block the transaction at the merchant or ATM, and you are not charged a fee. Learn More
24-Hour Grace® does not apply here.
24-Hour Grace® only applies after we allow a transaction to go through. You should avoid any transaction, for example, making a debit card purchase or writing a check, when your account balance is too low to cover it, as we may stop the transaction.

Our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to avoid an Overdraft Fee.

Just make a sufficient deposit that meets the following criteria:

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Right Time

Make a deposit before midnight the next business day.

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Right Amount

Make a deposit or transfer that brings your account balance positive.

A few tips to help you maintain a positive balance

The best way to avoid spending more than you have is to ensure your balance doesn’t dip below zero. We can help you do that when you:

  • Sign up for our free text and email alerts
  • Link your savings account or money market account to your checking account- another service we offer for free. Learn how here. (Regulations limit the number of transfers that can be made during the statement period or calendar month.)

Still have questions?

Learn all the details about how it works

How does 24-Hour Grace® help?

When your account is overdrawn1, 24-Hour Grace® gives you more time to make a deposit to bring your account positive and avoid Overdraft Fees. The questions below explain more about when you need to make the deposit and how much the deposit needs to be. Remember, 24-Hour Grace® gives you time to act. It isn’t automatic. You have to make the right deposit on time. Please look at the rest of the questions below to learn how.

1 This means your account balance is negative or below $0.

Under what conditions does 24-Hour Grace® apply?

24-Hour Grace® applies when Huntington pays a transaction from your account even though you don’t have enough money (your account becomes overdrawn1). 24-Hour Grace® gives you time to act—it doesn’t act for you. Note: 24-Hour Grace® does not apply if we decide to return the transaction2.

Example:

On Monday, you start with a $50.00 balance. Later that day we pay a check for $70.00 out of your account. Your balance at the end of Monday is (-$20.00). A $37.50 Overdraft Fee will hit your account on Tuesday. THE NUMBERS $50.00 - $70.00 = (-$20.00)
$37.50 Overdraft Fee for tomorrow (if you don’t cure the overdraft with 24-Hour Grace®)
But what if we return (or “bounce”) the $70.00 check instead? In that case, your account balance stays at $50.00 because we don’t pay the check from your account (it doesn’t get into your account), but we send it back through the network that sent it to us. We charge you a $37.50 Return Fee that will hit your account on Tuesday. 24-Hour Grace® does not apply to Return Fees. THE NUMBERS $50.00 - $0.00 = $50.00
$37.50 Return Fee for tomorrow (24-Hour Grace® is not applicable)
Returned: $70.00
  • How quickly does a transaction hit my account?

    Good question. We don’t see every transaction immediately. Depending on the type – check, debit card purchase, or automatic payment, for example – it could be the same day, or even a few days later. With checks, it depends on how soon the payee of the check deposits or cashes it.
  • How are transactions sent to the bank for payment?

    Well, the short answer is through networks. When you write a rent or mortgage check, for example, that check is sent to us for payment through a check-clearing network. There are also debit card, ATM, and other electronic payment networks. Or a check, for example, can also be presented (cashed) in-person at our Huntington branches.
  • What is the difference between an overdraft and a return?

    Here’s how that works. An overdraft is a transaction that is actually paid from your account (it reduces the balance in your account). And, after we pay it, your account balance is negative (below $0). For example, we pay a $50 check from your account when your account balance is only $20. A return is also a transaction for more money than is in your account. Here, however, instead of paying it from your account, we send it back through the network that sent it to us (it never gets into your account). For example, we “bounce” a $50 check when your account balance is only $20.
  • Why would the bank let a transaction overdraw my account?

    Well, we assume you do transactions because you want them to happen. Paying them when they overdraw your account lets them happen. Whether we do this or not is within our discretion. We are never required to let you overdraft. But within limits we set, we may provide you this service. Maybe you don’t want us to let this happen? You can “opt out” of overdrafts for ATM and one-time debit card transactions with our Debit Overdraft Service. To get more information on our Debit Overdraft Service or to change your election, log into online banking, click on the “Customer Service” tab, and click on “Manage Huntington Debit Overdraft Service”.
  • Why would the bank return a transaction instead of letting it overdraw my account?

    Returns normally occur with checks (“bounced” checks) or automatic payments when there’s not enough money in your account. We would rather not return them, but obviously we can’t let everyone overdraw all of the time. Part of our management of risk with deposit accounts is to decide when we pay and when we return transactions. That is generally based on your account history. We balance that decision between serving your need to have transactions paid and our need to manage risk. When we return a check or automatic payment, we charge a Return Fee. 24-Hour Grace® cannot be used to waive Return Fees.
    • Why can’t 24-Hour Grace® be used to waive Return Fees?
      When we return a check or automatic payment, we don’t let it overdraw your account. Since the transaction doesn’t overdraw your account, there is no overdraft for you to fix or cure by making a deposit under 24-Hour Grace®. 24-Hour Grace® cannot be used to waive Return Fees.
  • Why would the bank block a transaction instead of letting it overdraw my account?

    Blocking a transaction can usually occur with a debit card purchase or an ATM withdrawal. For these types of transactions, we usually get an electronic request from a merchant or from the ATM network before the transaction happens. That is known as an authorization request. Like with a return, if you don’t have enough money in your account, we have to decide to let it happen or not. That decision is generally based on your account history. We balance that decision between serving your need to have transactions happen and our need to manage risk. If we deny the authorization request, the transaction is blocked. Since in that case the transaction doesn’t happen, there is no fee.
  • Does 24-Hour Grace® let me write a check or make a debit card purchase when I don’t have enough money in my account?

    No. 24-Hour Grace® is not a service that lets you spend more than you have. Instead, it only works after your account is already overdrawn. It’s a service that gives you more time to make a deposit to avoid Overdraft Fees once your account is overdrawn.

1 This means your account balance is negative or below $0.
2 This means we don’t let the transaction go through, but send it back where it came from and it doesn’t get into your account.

How much do I need to deposit to avoid an Overdraft Fee?

Technically you need to deposit enough to bring your account balance to at least (-$4.99). Of course, if you can get your balance out of the negative, please do. But we give you a $4.99 cushion in case you can’t quite make it all the way.

Example:

Monday, you start with a $50 balance. Later that day we post a check for $70, which overdraws your account by $20.Your balance at the end of the day is (-$20). A $37.50 Overdraft Fee will hit your account on Tuesday. Tuesday morning, we process a debit card transaction for $10 and a check for $50, leaving your balance at (-$80). Tuesday evening you deposit $76.00 and avoid the Overdraft Fee from the $70 check on Monday. THE NUMBERS Monday:
$50 - $70 = (-$20)
$37.50 Overdraft Fee for tomorrow

Tuesday:
- $10 debit = (-$30)
- $50 check = (-$80)
+ $76.00 Deposit
= -$4.00 Balance
Waive $37.50 Overdraft Fee
  • What transactions do I need to cover?

    We’re glad you asked. You’ll need to deposit enough to cover any new transactions (checks or automatic payments, for example) that come in the day you’re making the deposit, as well as the negative balance from the prior day. Remember, those transactions can come in after you make your deposit, so you need to be aware of what transactions are scheduled or what checks you have written that haven’t yet cleared.
  • How can I find my account balance?

    We offer several ways you can sign up to check your balance: online and mobile banking, text and email alerts, and through our telephone banking service.
  • Will my account balance reflect the correct amount I need to cover?

    You need to check your account balance, but there’s more. Transactions come to us from many networks and sources at many different times during the day. Some transactions are posted to your account throughout the day, but others can’t be posted until late in the day or even very early the next morning when we run our processing. Only you know what transactions you’ve done before they get to us, so the best way to stay on top of your correct balance is still to keep track of it yourself.
  • Do I also need to cover overdraft fees for the overdrafts from the prior day?

    No. You don’t have to deposit an extra amount to cover the overdraft fees for overdrafts from the prior day. We’ll waive those overdraft fees as long as you bring your balance positive not counting those overdraft fees. However, you do need to deposit an extra amount to cover any Return Fees for transactions we returned from the prior day, because 24-Hour Grace® doesn’t waive Return Fees.
  • Where can I make a deposit?

    You can deposit cash or checks at a banking office or an ATM, or make an electronic transfer from another account at an ATM or through our online, mobile or telephone banking services.
    • Can I put my deposit in a night depository or drop box at a branch?
      No. You should use an ATM to deposit cash or a check after branch hours, and not a night depository or drop box.
  • What type of deposits can I make to avoid Overdraft Fees?

    As long as your deposits are made using an acceptable form of payment, such as cash or valid check, your deposit will be processed. You can also transfer funds electronically at an ATM or through our online, mobile or telephone banking services.
  • Do any forms of deposit cause delays?

    Yes. Some deposits may be subject to holds that could cause delays and make you miss 24-Hour Grace®, such as foreign cash, deposits by a new customer, or if there is something out-of-the-ordinary about the deposit.

How much do I have to deposit if some transactions overdraw my account and others are returned?

You also have to deposit enough to cover any Return Fees from the prior day.

Example:

Monday, you start with a $50 balance. Later that day we pay a check for $70, but we return another check for $100, which leaves your account overdrawn by $20. Your balance at the end of the day is (-$20). A $37.50 Overdraft Fee and a $37.50 Return Fee will hit your account on Tuesday. At 11:30 p.m. on Tuesday you deposit $60 into a Huntington ATM. We waive the $37.50 Overdraft Fee with 24-Hour Grace®, but 24-Hour Grace® does not waive the $37.50 Return Fee. THE NUMBERS Monday:
$50 - $70 = (-$20)
$100 check returned
$37.50 Overdraft Fee for tomorrow
$37.50 Return Fee for tomorrow

Tuesday:
+ $60.00 Deposit
- $37.50 Return Fee
= $2.50 Balance
Waive $37.50 Overdraft Fee

When should I make a deposit to avoid an Overdraft Fee?

You have until before midnight the next business day after your account is overdrawn. A deposit at a Huntington branch needs to be before branch closing time on that next business day. A deposit or transfer at an ATM, through online or mobile banking or through our telephone banking service needs to be before midnight that next business day.

Example:

Monday, you start with a $50 balance. Later that day we pay a check you wrote last week for $70, which leaves your account overdrawn by $20. Your balance at the end of the day is (-$20). A $37.50 Overdraft Fee will hit your account on Tuesday. At 11:30 p.m. on Tuesday you deposit $20 into a Huntington ATM. We waive the $37.50 Overdraft Fee. THE NUMBERS Monday:
$50 - $70 = (-$20)
$37.50 Overdraft Fee for tomorrow

Tuesday:
+ $20.00 Deposit
= $0 Balance
Waive $37.50 Overdraft Fee
  • Where can I make a deposit or transfer by midnight that will count for 24-Hour Grace®?

    You can make a deposit or transfer at one of our ATMs or through mobile banking, or you can make a transfer through our online or telephone banking services. For example, a deposit of cash or a check at a Huntington ATM at 11:30 p.m. will count, or an online transfer at 11:30 p.m. will count.
    • Will a deposit to my Huntington account at another bank’s ATM before midnight count for 24-Hour Grace®?
      No. That deposit will not be credited to your account as of the day of deposit and will not meet the 24-Hour Grace® deadline.
    • Will a deposit at a night depository or drop box at a branch before midnight count for 24-Hour Grace®?
      No. You should always use an ATM to make an after-hours deposit at a branch. You should not use a night depository or drop box, but if you do, that deposit will be credited to your account no earlier than the business day after the day of deposit and will not meet the 24- Hour Grace® deadline.
  • What if I miss the deadline by only a few minutes?

    Unfortunately, if we receive the deposit at or after midnight on the next business day after your account is overdrawn, it will be too late for 24-Hour Grace® to work. It has to be before midnight (or before branch closing time if made at a branch).
  • If I sign up for email and/or text alerts, when will I get them?

    If you want 24-Hour Grace® email and/or text alerts, you need to sign up for them. Online or mobile banking messages are available if you sign up for those services. These alerts and messages are scheduled for delivery on the same business day you need to make a deposit to take advantage of 24-Hour Grace®.
    • Why does this matter?
      For the 24-Hour Grace® waiver to apply, deposits must be made before midnight (or before branch closing time if made at a branch) on the same business day you receive the text or email alert or message in online banking.
  • Is there time to respond to a Notice of Insufficient Funds?

    It depends. We either email (for online banking customers) or physically mail (for non-online banking customers) a Notice of Insufficient Funds the next business day after your account is overdrawn.
    • Why does this matter?
      For the 24-Hour Grace® waiver to apply, we must receive your deposit before midnight on the next business day after your account is overdrawn (or before branch closing time if made at a branch), regardless of when you receive or view the Notice of Insufficient Funds.
  • What is the “next business day”?

    Business days are Monday through Friday. Saturdays, Sundays and federal holidays are not business days even if our banking offices, ATMs, website or other services are open or available for use on those days. So, for example, if the overdraft occurs on Friday, you have until before midnight on Monday (the next business day) to fix the problem. If that Monday is a federal holiday, you have until before midnight on Tuesday. If you want to make a deposit at a branch, it needs to be before branch closing time.

What else can I do to avoid Overdraft Fees or Return Fees?

You can also sign up for one of our overdraft protection plans that provide funds from another deposit or credit line account you have with us (like a savings account or credit card) to cover overdrafts.

  • Are there other ways to avoid these fees?

    The best way to avoid Overdraft Fees and return Fees is to practice good account management and carefully keep track of your transactions yourself so you always know what you have available to spend or withdraw.
  • Can I opt out of overdrafts for debit card purchases and/or ATM transactions?

    Yes. You have the right to opt out of overdraft for ATM or debit card transactions so these kinds of transactions won't cause Overdraft Fees. Sometimes these transactions will still cause overdrafts even if you opt out. If that happens, you won't be charged any Overdraft Fees. If you want to get more information on opting out through our Debit Overdraft Service or to change your election, log into online banking, click on the “Customer Service” tab, and click on “Manage Huntington Debit Overdraft Service.”
    • How will this affect your spending/payment habits?
      By opting out, any ATM or debit card transaction that would cause your account to be overdrawn may be denied.
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