How does 24-Hour Grace work?

When your account goes negative, 24-Hour Grace gives you more time to fix it to avoid an overdraft fee.

You’ll get a heads-up in the app

If your account is overdrawn, your account balance will turn red and the 24-Hour Grace icon will appear. We’ll show you a list of possible returned transactions, so you know exactly what’s at risk.

You have until midnight CT

You get until midnight Central Time the next business day to make a deposit and bring your account back to positive.

Cover the full amount with your deposit

To avoid an overdraft fee, your deposit or transfer must cover:

  • Your negative balance
  • Any new transactions from that day, like debit card transactions, written checks, or scheduled payments
  • The total amount of possible returned transactions

If you miss the window

If your account isn’t brought back to positive while 24-Hour Grace is in effect, you may incur overdraft fees or the transactions may be returned unpaid.

See 24-Hour Grace in the Huntington Mobile Banking app


An in-app message will appear at the top of your Summary screen, letting you know when 24-Hour Grace is active.

If your account is overdrawn, your account balance will turn red and the 24-Hour Grace icon will appear. Overdrafts are reflected in your account balance.

Returns will appear below your account balance in the "Possible Returned Transactions" line.

In this example, $1,650 plus the additional amount needed to cover transactions that might post that day would need to be deposited to pay the transactions and avoid any overdraft fees. You may also incur fees from the merchant if your transaction is returned.

Let’s make overdrafts easier to understand


We’re here to help you avoid overdrafts and returns, and that starts with clarity. Learn how overdrafts and returns work, what causes them, and how you can stay ahead of them.

Because the more you know, the more confident you can feel about your money.

More ways we help you stay in control

$50 Safety Zone®

A little cushion when you need it

If you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee—$50 Safety Zone gives you a buffer before overdraft fees apply1. It’s one more way we help you stay on track.

Overdraft Protection

We help you avoid overdraft fees

Money can be automatically transferred from a linked savings account, money market account, personal credit line, or Voice Credit Card® to cover overdrafts and returns2.

Huntington Heads Up®

Stay a step ahead

Get real-time alerts about your balance, spending patterns, and upcoming bills. Huntington Heads Up helps you spot trends, avoid surprises, and feel more in control3.

Standby Cash®

Money when you need it

Once you qualify, instantly access between $100 and $750. No credit check. Just pay a 5% cash advance fee. No monthly interest with automatic payments; otherwise, a 1% monthly interest charge (12% APR) applies4.

24-Hour Grace is for business bank accounts, too


At Huntington, we know that running a business means managing a lot—including your cash flow. That’s why 24-Hour Grace isn’t just for personal accounts. It’s built into every Huntington Business Checking, Savings, and Money Market account.

Because looking out for your business means giving you more time and clarity.

Open a checking account online in minutes


A checking account is more than a place to keep your money. It’s a tool for building the life you want, one smart decision at a time. That’s why we design every account with thoughtful features that support your goals and help make everyday money management feel more doable.

Build your financial know-how

CREDIT DEBT

What loan options are available for covering overdraft?

We’re here to help you understand overdraft coverage options and provide tips on how you can manage the costs.

CHECKING BASICS

How to check your routing number

Have you ever wondered how and where you can find your routing number? We detail four ways, with and without a check, to find your routing number.

24-Hour Grace FAQs

DISCLOSURES

1 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.

2 Increments of $100 can be transferred from available funds in a savings or money market account, and the transfer fee is $0. See additional information in the Huntington Consumer Deposit Account Agreement.

Increments of $100 can be transferred from a personal credit line, up to the available credit limit and subject to the applicable personal credit line APR. Transfers can be made from a Voice Credit Card® up to 10% of the available credit limit and subject to the applicable cash advance APR. Terms and conditions for funding account still apply, such as paying interest on the credit lines. Not subject to grace periods.

3 Message and data rates may apply.

4 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 will 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.

5 The bank systematically evaluates your ability to overdraft based on a variety of factors such as tenure, deposit frequency, overdraft history, bankruptcy history, etc.

6 We will not charge an overdraft fee if you make a deposit that brings your account balance positive or to at least -$50.