Bank on experience. Switch to Huntington.

To be eligible for this offer, click Apply Online from this page, so that the promotion code is claimed at time of account opening. This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, West Virginia or Wisconsin.

¹ Cash Bonus Offer. To qualify for a $400 cash bonus, you are required to do ALL of the following: 1) Open a new Huntington Perks Checking account with your promotion code by December 14, 2025. 2) Set up and receive total qualifying direct deposits of $500 or more within 90 days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension or government payments (such as Social Security). Deposits that DO NOT QUALIFY are those through the Real-Time Payments (RTP) network, and payments through peer-to-peer networks such as PayPal, Zelle, Venmo or others. These do not qualify as direct deposits. Transfers from another Huntington deposit account also do not qualify. 3) Maintain an open account status in the eligible checking account for 90 days.

This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington personal checking account, or those who closed a checking account within the last 12 months, are not eligible. The eligible checking account for this offer is Huntington Perks Checking.

Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other consumer checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 24-month period across all deposit account relationships.

Additional Clarification: Encouraging Responsible Use: We encourage our valued customers to take advantage of cash promotional offers. However, to ensure fairness, we monitor for patterns of repeated use that may indicate misuse. Example: If you receive a cash incentive for opening a new business checking account and then another for a personal checking account, you may not be eligible for another cash incentive for any new accounts until 24 months have passed since the most recent payment. Preventing Abuse: Customers who open multiple accounts solely to receive cash incentives and then close them shortly after may be subject to this rolling 24-month limit. This helps us maintain the integrity of our cash promotional programs. Monitoring and Analysis: We use reporting tools to identify such patterns and make decisions based on careful analysis. This policy ensures that our offers are fair and benefit genuine customers. Huntington reserves the right to close an account at our discretion, prior to promotional requirements being met, and without a promotional payment if promotions abuse is suspected.

² Early Pay. 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  huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

³ $50 Safety Zone^® and 24-Hour Grace^®. 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 huntington.com/SafetyZone and huntington.com/Grace.

⁴ Zelle^®. For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle^® for these types of transactions. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the U.S. to use Zelle^®.

⁵ Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, or through Mobile Deposit may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.