24-Hour Grace® Overdraft Fee Relief

Because we believe grace should be the standard.

We designed 24-Hour Grace® to make banking more convenient by giving you more time to make a deposit when your account is overdrawn.

24-Hour Grace

24-Hour Grace® for you

We’re for people. For their good times. And their hard times. That’s why we offer 24-Hour Grace®, so you can have more time to fix an overdraft and avoid a fee. Because we could all use a little grace right now.

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24-Hour Grace® for your business

Introducing 24-Hour Grace® for Business. If your business overdrafts, you now have an extra day to cover it and avoid a fee. It’s our way of looking out for you, so you can continue looking out for everyone else.

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We believe businesses deserve grace.

Businesses are handling these unexpected times with grace, which inspired us to offer some to you. Introducing 24-Hour Grace for Business. You now have until the next day to cover an overdraft and avoid fees.

Personal Checking Accounts

Our checking account options each come with Huntington Heads Up® and other digital tools to help you stay on financial track.

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Business Checking Accounts

Business checking accounts with unlimited transactions and your choice of a bonus service.

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Frequently Asked Questions

When your account is overdrawn (this means your account balance is negative or below $0), 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.

No. Returns normally occur with checks (“bounced” checks) or automatic payments when there’s not enough money in your account. 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®. If this situation were to occur, you would be charged a Return Fee.

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

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). A return item is an item that is presented and the amount of the items exceeds the available balance in your account. Therefore, the bank does not pay the transaction and returns the item unpaid. A return item will result in a returned item fee.

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 provide you this 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.

Technically you need to deposit enough to bring your account balance to at least (-$50). Of course, if you can get your balance out of the negative, please do. But we give you a $50 cushion in case you can’t quite make it all the way.

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?

While access to certain deposits may be delayed due to holds, these holds do not impact the 24-Hour Grace® fee waiver feature on your account.

24-Hour Grace® applies when Huntington pays a transaction from your account even though you don’t have enough money (your account becomes overdrawn). 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 transaction.

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). A return item is an item that is presented and the amount of the items exceeds the available balance in your account. Therefore, the bank does not pay the transaction and returns the item unpaid. A return item will result in a returned item fee.

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 provide you this service.

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.

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.

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®.

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.

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.

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?

Consumer customers have the ability 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 Overdraft Options for ATM and Debit Card transactions or to change your election, log into online banking, click on the “Customer Service” tab, and click on “Manage Overdraft Options for ATM and Debit Card transactions. Business customers cannot opt out of overdraft services.

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