Asterisk-Free Checking®

A Checking Account, Free from Minimum Balances

Asterisk-Free Checking is free to open and offers rewarding benefits.

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Features and Fees

Benefits include:

  • Free to open and free to maintain
  • No minimum balance requirement
  • Extra money when you need it with Standby Cash®
  • $50 Safety Zone and 24-Hour Grace®##
  • Get paid up to two days early with Early Pay††

Checking Account Benefits

Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.

Standby Cash®

With Standby Cash you can qualify for a $100 to $1,000 line of credit. Just pay it back over three months, and it’s free when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

24-Hour Grace®

Our 24-Hour Grace® feature is designed to give you more time to make a deposit in order to avoid an overdraft or return fee##.

$50 Safety Zone

If you accidentally overdraw your account by $50 or less, our $50 Safety ZoneSM helps protect you from overdraft fees##.

Money Scout®

Money Scout analyzes your spending habits, income, and upcoming expenses to find money you’re not using in your checking account—from $5 to $50—and moves it to your savings, automatically.

The Hub

The digital tools in The Hub makes it easier to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.

Huntington Asterisk-Free Account Benefits

A Checking Account, Free from Minimum Balances

No Monthly Maintenance Fee
No monthly maintenance fee with an Asterisk-Free checking account.

No Minimum To Open
No minimum deposit needed to open an Asterisk-Free checking account.

No Fee Or Minimum Balance
$4 monthly maintenance fee and $300 minimum balance on Premier Savings Account is waived while you maintain your Asterisk-Free checking account.

Huntington Premier Savings

Take the first step toward building your savings today with the Huntington Premier Savings Account — the perfect companion to an Asterisk-Free Checking Account.

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Switching is Easy

We know it can be confusing switching banks, so we've created a kit to help you. Don't worry, we're with you each step of the way.

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Standby Cash is subject to terms and conditions and other account agreements. 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 consumer checking account with at least three months of consistent deposit activity of $750 or more, and an average daily balance of $200 or more. Other eligibility requirements apply. An active or recent bankruptcy or other legal process may disqualify you. Line amount and ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts 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 may 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.

$4; or $0 Monthly Maintenance Fee on a Premier Savings account with average daily balance of $300 or when you own an eligible Huntington checking account. An eligible checking account is owned by you and includes Asterisk-Free Checking, Huntington 5 Checking, Huntington 25 Checking, or Private Client Account.

##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. Learn more at and

††You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

 Money Scout automatically schedules transfers from your selected checking account and credits your selected savings account. A money market account (MMA) cannot be a selected savings account for use with Money Scout. A scheduled transfer may be canceled before midnight ET on the day it is scheduled. Transfer amounts and frequency may vary and will reduce the money available in your account to cover other transactions. You are responsible for ensuring your account has sufficient funds. You may be charged overdraft fees if your account falls below $-50. Subject to eligibility, terms and conditions, and other account agreements.

Asterisk-Free Checking®, 24-Hour Grace® Money Scout®, and Standby Cash® are federally registered service marks of Huntington Bancshares Incorporated. $50 Safety Zone℠ is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending. Standby Cash is patent pending.