Our best checking account just got better.
Relationship Discounts
for Huntington 25 Checking® customers.

We appreciate the relationship we already have with you—and realized that by connecting the dots between all your and your family’s accounts, we could upgrade your relationship and give you even more.

Learn more about Huntington 25 Checking benefits below or find a branch to speak with banker about upgrading.

Bring More, Get More.

Other Relationship Banking Benefits for our Huntington 25 Checking® customers

Includes all Huntington consumer deposit accounts and all consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts, as well as existing annuities with a cash value account balance opened by Huntington. Retail life insurance products are excluded.

Learn more about Relationship Discounts below.
Interest-Bearing

Earned on all Account Balances
FEATURES
• Free non-Huntington ATM cash withdrawals§
• Free Checks
• 24-Hour Grace. Learn more 
• $0 in monthly maintenance fees when you have $25,000
in shared Total Relationship Balances,
otherwise $25
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Interest-Bearing

Competitive Money Markets Rates
Rates may vary by region.
FEATURES
• IRA Eligible
• $0 in monthly maintenance fees with average daily balance
of $25,000 or when you also own either a Huntington 5® or
Huntington 25 Checking account; otherwise $25#
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Voice
Credit Card®
Choose Rewards†† or Lower Rate
Earned rewards with
linked checking

1.25%
Cash back on purchases made with your
linked Voice Credit Card with Rewards
FEATURES
• 3% Cash Back on the first $2,000 you spend each quarter     
in one of 10 pre-selected categories
• 1% Cash Back on all other categories plus 25%
bonus rewards.
OR
• Choose Lower Rate Card with a 2% Lower Purchase APR
than our Rewards Card
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Family Banking

Relationship Benefit

Earn More
FEATURES
Earn more relationship benefits based on balances
in all shared consumer accounts, owned by you or jointly
with someone else.
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Relationship Benefit

At No Added Cost
Monthly VantageScore® and quarterly credit snapshots, a credit score simulator, and more^.
FEATURES
• See a rolling 12-month trend of your credit score
• Monthly score delivered by email, text, or push notification
• Credit simulator to see how actions might impact your score
• Condensed version of Experian Credit Report sent quarterly
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Relationship Benefit

At No Added Cost
Tools that detect, monitor, and alert you to suspicious activity with your personal information and financial accounts.^
FEATURES
• Robust monitoring of credit report, non-credit loan
applications, address changes, personal identity use
on the Internet, and more
• Identity monitoring alerts delivered by email, text,
and/or push notifications
• If theft occurs, a dedicated specialist to help you
restore your identity
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Relationship Discount

0.15-0.50%
Rate discount on a home equity line of credit plus an annual fee waiver¥
FEATURES
• Spend less on interest with our variable rate
while you put your line of credit to work
• No application fee plus the option to lock in a fixed rate
• Online account management makes it easy
to access your line of credit whenever you need it
• Talk to a banker today to get started
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Relationship Discount

Up to
0.375%
off portfolio loan rates.
OR
Pricing discounts on saleable loans.
FEATURES
• Highly flexible loans and customizable terms to get you to a
payment and structure that works for you
• With our competitive pricing and rates, we strive to get you
the deal that works for your unique situation
• People who look out for you
Talk to a Loan Officer today to explore options that are
best for you  
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Relationship Discount

100
commission-free online trades per year
through Huntington Financial Advisors®
FEATURES
• Includes online, self-directed equity, and ETF trades
• After first 100 trades, only $6.95 commission thereafter per online trade
• Schedule an appointment with a Huntington Financial Advisor
to get started
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Interest-Bearing

Competitive Rates
Rates may vary by region.
FEATURES
• Only $1,000 minimum opening balance needed                    
• IRA Eligible
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Speak with a banker today about upgrading your account

Find a Huntington branch near you.
- OR -

FINRA BrokerCheck

See more about the Huntington Investment Company and our investment professionals at FINRA BrokerCheck.


Rates apply to all balance tiers.

§With Huntington 25 we’ll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We’ll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.

You can avoid the monthly checking maintenance fee for any statement period for the Huntington 25 checking account when you keep a total relationship balance of at least $25,000 in eligible deposits held directly with us or investments made through our affiliate The Huntington Investment Company. Eligible deposits include funds in this account and any other checking, money market savings, Certificate of Deposit (CD), and individual retirement (IRA) accounts owned by you or jointly with someone else. Eligible investments are those in your name which The Huntington Investment Company reports to our deposit system for inclusion in the total relationship balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and annuities . We figure the total relationship balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.

#Relationship Money Market Account (MMA): No fee when the total average daily balance in MMA is at least $25,000 or you own an eligible checking account. An eligible checking account is owned by you; includes Huntington 5 Checking, Huntington 25 Checking or Private Client Account.

Credit products are subject to credit application and approval.

††You may qualify for a bonus on points earned for rewards on your Voice Credit Card when you open a new consumer checking account. You must have chosen the Rewards option on your Voice Credit Card and maintain the consumer deposit account to qualify. If you choose the Rewards option and you also open a Huntington 25 Checking account, you will get a 25% bonus. If you open a Huntington 5 Checking account, you will get a 5% bonus. You must maintain your Huntington 25 or 5 Checking account and your Huntington Voice Credit Card to continue to qualify for the Rewards bonus. After your accounts are linked, the bonus is calculated on the single points earned for each transaction and is not calculated on any bonus points, including any bonus points earned in the 3X Rewards category. Please review your Rewards terms and conditions for more information.

Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs) owned by you or jointly with someone else), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Eligible accounts also include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the mortgage loan application date and retail life insurance products are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third party sources. Other requirements include an open Huntington 25 or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be held by Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and is assessed net of any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.

Huntington Financial Advisors® is a service mark and trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.

Investment, Insurance and Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

Registered investment representatives with Huntington Financial Advisors® can help provide planning insight for your finances.

Offer terms and conditions: All Huntington Financial Advisors® (“HFA”) customers with an open Huntington 25 Checking® account or Private Client Account ("PCA") through our affiliate, The Huntington National Bank (“Bank”), with a signed E-Delivery Agreement for their brokerage accounts are eligible for 100 commission-free online equity and/or exchange-trade fund (ETF) trades per year, with $6.95 commission per online equity and/or ETF trades thereafter.

The commission-free online equity and ETF trades will be available approximately one week after you meet with a Huntington Financial Advisor to set up an online account. Consistent with the terms of your brokerage account agreement, brokerage accounts are subject to other regulatory, exchange, and account level fees as detailed in HFA’s Brokerage Fee and Commission Schedule. Sales are subject to a regulatory transaction fee of between $0.02 and $0.03 per $1,000 of principal. This appears on your trade confirmations as the Activity Assessment Fee, when applicable.

Your Total Relationship Balance includes consumer deposits held directly with the Bank or investments made through us. Eligible consumer deposits include any checking, money market, savings, certificates of deposit (CD), and individual retirement accounts (“IRAs”) owned by you. Eligible investments are those in your name that HFA reports to the Bank for inclusion in the Total Relationship Balance and generally include investment balances (both IRA and non-IRA) held in brokerage, advisory, or annuity accounts. Investment balances are reflective of the balances provided to Huntington by a variety of third-party sources including, but not limited to, National Financial Services, Fidelity Information Services, various annuity insurance carriers, and other investment providers.

This discounted commission offer applies only to eligible equities and ETFs available through the Wealthscape Investor online platform. The number of year-to-date commission-free online equity and/or ETF trades will be measured across all accounts where you have been identified as an owner. You will be eligible for an additional 100 commission-free online equity and/or ETF trades each new calendar year effective January 1st as long as you maintain the enrollment requirements. Customers who close their Huntington 25 Checking or Private Client Account will lose any remaining commission-free online equity and/or ETF trades and will be migrated to HFA’s standard commission pricing schedule of $19.99 per online trade. No credits will be given for unexecuted trades.

HFA reserves the right to change the offer terms or terminate the offer at any time. This offer is limited to one per customer. You may only enroll for this offer one time per calendar year. This offer only applies to brokerage accounts. This offer is not transferable, saleable, or valid in conjunction with any other offer and is available to U.S. residents only. Market data and security price quotations may be represented on either a real-time or delayed basis (by at least 15 minutes) as indicated through the Wealthscape Investor online platform.

Restrictions apply: the discounted trade commissions do not apply to large block purchases exceeding 10,000 shares that require special handling, restricted stock transactions, or purchases exceeding $100,000. All advisor and Client Services-assisted trades are subject to full standard commission charges. You should review HFA’s Brokerage Fee and Commission Schedule for full fee and commission details. If a trade order placed via the Wealthscape Investor online platform is executed over multiple days, each day's executions for that order will be counted separately and applied against the remaining available commission-free online equity and/or ETF trades available that year.

¥The Home Equity Line of Credit Relationship Discount (“Rate Discount”) consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or “PCL”).  To be eligible for the Rate Discount, you must have or open a Huntington 25 Checking or Private Client Account (either account is a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”).  Qualifying balances include your money that is on deposit in all of your Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit ((CDs)), and individual retirement accounts ((IRAs))), owned by you or jointly with someone else; and, all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts.  Other eligible accounts include existing annuities with a cash value account balance opened by The Huntington Investment Company, but annuity accounts opened on or after the HELOC application date and retail life insurance products are excluded from the HELOC qualifying balances.  Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources.  Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details.  If you do qualify for the Rate Discount, you will then also qualify for an Annual Fee Waiver ($60) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, that you maintain your qualifying checking account. We will continue to waive your Annual Fee as long as you continue to maintain your qualifying checking account in good standing with us.  If, at any point during the PCL Draw Period or Repayment Period (“Period(s)”), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable.  Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.  

Huntington HELOC is subject to credit application and approval.  The Rate Discount and Annual Fee Waiver apply only to a new HELOC which is defined as one to a customer without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one.  APRs range from 2.96% to 17.24%.  Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR.  The margin is based on your home’s loan-to-value ratio, lien position, owner occupancy status, applicant’s credit history, and the amount of the credit line.  “Prime” and “Prime Rate” mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled “Selected Interest Rates.”  Use of the word “Prime” does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 3.25% APR as of March 17, 2020.  Rates may change at any time.   Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $300 and will apply when closing is facilitated by a third party on Huntington’s behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period.  Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. 

YOU HAVE THE OPTION TO CONVERT YOUR VARIABLE RATE LINE TO A FIXED RATE; HOWEVER, THE FIXED RATE WILL ALWAYS BE HIGHER. A $75 FEE WILL BE CHARGED FOR EACH TRANSACTION CONVERTING AN AMOUNT FROM A VARIABLE RATE TO A FIXED RATE IN OH, MI, KY AND PA.

^The Monitoring Services are optional and are not available with all accounts, Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.

Message and data rates may apply.

Mastercard, Debit Mastercard, Credit Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International. Huntington National Bank is an Equal Housing Lender and Member FDIC.