Overdraft and Return Fees Explained

We want to help you avoid overdraft fees. So, as a Huntington customer, if you accidentally overdraw your account by $50 or less, you won’t be charged an overdraft fee thanks to our $50 Safety Zone. And, if you have an overdraft that is more that $50 or possible returned transactions, you have more time to fix it, avoid an overdraft or return fee, and have your transactions paid with 24-Hour Grace®.


What are overdrafts and returns?

Overdrafts

An overdraft occurs when you don't have enough money in your account to cover a transaction, and the bank pays it.

Returns

A return occurs when you don't have enough money in your account to cover a transaction and the bank does not pay it. That transaction, or item, is marked as returned.

When you do not have enough money in your account, the bank will pay or return a transaction, based on your overdraft elections. And there are also circumstances where the bank will not allow your account to be overdrawn. The bank systematically evaluates your ability to overdraft based on a variety of factors such as tenure, deposit frequency, overdraft history, bankruptcy history, etc. The bank pays overdrafts at our discretion and does not guarantee that we will always authorize and pay any type of transaction.


We all need a little relief.

We want to help you avoid overdraft and return fees. So all Huntington customers have two things always working on their behalf: $50 Safety Zone and 24-Hour Grace. Here's how it works:

$50 Safety Zone

If you overdraft up to $50, you won’t be charged an overdraft fee. Overdraft more than $50, you’ve still got...

24-Hour Grace

You have until midnight Central Time the next business day to deposit the funds in your account before being charged an overdraft or return fee. And you'll get an alert letting you know so you can take action.

Ways to avoid overdraft and return fees.

The best way to protect yourself from overdraft and return fees is to know your balance and be sure you don’t spend money you don’t have. Talk to a Huntington Banker about overdraft options for your debit card, ATM transactions, checks, and electronic (ACH) transactions. Here are more things you can do:

Link a Savings Account or Money Market Account

Money can be automatically transferred (if you have enough money in your linked account) to cover overdrafts and returns in increments of $100. The transfer fee is $0. See additional information in the Huntington Consumer Deposit Account Agreement.

Link a Personal Credit Line

Money can be automatically transferred to cover overdrafts and returns up to your available credit limit in increments of $100. Transfers are subject to the applicable personal credit line APR and are not subject to a grace period§.

Link a Voice Credit Card®

Money can be automatically transferred to cover overdrafts and returns up to 10% of your available credit limit. Transfers are subject to the applicable cash advance APR and are not subject to a grace period§.

Standby CashSM

Standby Cash allows you to access between $100 and $1,000 with no interest or fees—just pay it back over three months. And, it's absolutely free when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

Huntington Heads Up®

You get alerts for news, weather, and sports. But how about your money? Huntington Heads Up lets you know exactly where your money is going and provides real-time insights to help you make more informed decisions. Message and data rates may apply.

All Day Deposit℠

We give you up until midnight when depositing through ATMs or our mobile app, so you don’t have to worry about earlier cut-off times.

Subject to terms and conditions and other account agreements. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account open at least three months with consistent monthly deposit activity of $750 or more. Other eligibility requirements apply. Amount available through Standby Cash is subject to change based on changes to customer eligibility, including checking and deposit activity, overdrafts, and daily balances. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. If 100% 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. 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. Business checking accounts are not eligible for Standby Cash. Standby Cash may only be used to fix an overdraft while 24-Hour Grace is in effect. If any of your checking or deposit accounts remain overdrawn for more than one day, your access to Standby Cash will be suspended. Once your accounts are no longer overdrawn, your access to Standby Cash may be reinstated.
Mobile App return items screen

Overdrafts and Returns in our Mobile 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 overdraft and return fees.

Understanding Types of Fees

Understanding Types of Fees
What It Costs
What It Means
Would 24-Hour Grace Apply?
Learn More
Would $50 Safety Zone Apply?
Learn More
Overdraft Fee ? $36 Fee charged if we allow a transaction to go through even though you don't have enough money in your account.
Return Fee ? $36 Fee charged when you don't have enough money in your account and we return an item (for example, a check is "bounced" or a transaction is returned unpaid).

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Extended Overdraft Fee ? $25 If your account is overdrawn for five consecutive business days, we will charge you a fee on the next business day (if your account is still overdrawn).

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Choose the options that are right for you.

Learn More

ATM & Debit Card Transactions ?

Opt In

The bank has your permission to consider authorizing transactions even if you don’t have enough funds in your account. (It’s still at the bank’s discretion to decide.)

You could incur overdraft fees if your account remains overdrawn after midnight the next business day§.

If Huntington elects not to authorize your transaction, your transaction will be declined. You will not incur a fee for declined transactions.

Opt Out
(Default Election)

In most cases, transactions will be declined if you don’t have enough money in your account.

You will not incur an overdraft fee for those transactions or a fee for declining them.

Checks, Electronic Payments, and Transfers ?

Opt In
(Default Election)

The bank has your permission to consider paying transactions even if you don’t have enough funds in your account. (It’s still at the bank’s discretion to decide.)

You could incur overdraft fees if your account remains overdrawn after midnight the next business day.

If Huntington does not pay your transaction and if you do not make a deposit to cover the total amount of possible return transactions and your overdrawn balance, this could result in a return fee from Huntington and additional fees from the merchant.#

Opt Out

In most cases, transactions will be returned unpaid if you don’t have enough money in your account.You will not have to pay an overdraft fee.

This could result in a return fee from Huntington and additional fees from the merchant if you do not make a deposit to cover the total amount of possible return transactions and your account remains overdrawn after midnight the next business day#.


Three examples of our overlapping coverage

Overdrafts of $50 or less:

If you start the day with $50 in your account and spend $75 at dinner with your debit card, your account balance is now -$25. but with $50 Safety Zone, you won't be charged an overdraft fee since your account is overdrawn by $50 or less. (Reminder: if you are opted out, this transaction will be declined.)

Overdrafts of more than $50:

Let's say you start the day with $50 in your account and spend $150 at the grocery store, your account balance is now -$100. With 24-Hour Grace, we give you until midnight Central Time the next business day to make a deposit or transfer and avoid overdraft fees. Make a deposit or transfer that brings your account balance positive, including new transactions that are being processed that day, and we'll waive the overdraft fees.

Returns:

You have $50 in your account when your $1,500 mortgage payment is scheduled to auto-pay that day. If we decide not to pay that into overdraft, we’ll give you more time to make a deposit, avoid return fees, and have your mortgage paid with 24-Hour Grace. Make a deposit or transfer that brings your account balance positive, including new transactions that are being processed that day, and we’ll waive the return fees and pay your transaction.

Have more questions about overdrafts and returns?

Answer: Here’s how that works. When you do not have enough money in your account, the bank decides whether it will pay or return an item based on your overdraft elections.

An overdraft occurs when you don’t have enough money in your account to cover a transaction and the bank pays it. Examples are overdrafts caused by check, in-person withdrawal, debit card purchase, ATM withdrawal, or other electronic means.

A return occurs when you don’t have enough money in your account to cover a transaction and the bank does not pay it. Examples of returns include checks and electronic payments.

Answer: 24-Hour Grace; Overdrafts

We will not charge an overdraft fee unless your account is overdrawn by more than $50. When your account is overdrawn by more than $50, 24-Hour Grace gives you more time to make a deposit and avoid overdraft fees. Just make a deposit, or transfer that brings your account to a positive balance, before midnight Central Time on the next business day.

We understand that overdrafts happen and Standby CashSM is a great way to help you cover them. Make a transfer with Standby Cash during the 24-Hour Grace window to help bring your account positive and avoid overdraft fees.

Example:

Let’s say you start the day with $50 in your account and spend $150 at the grocery store, your account balance is now -$100. With 24-Hour Grace, we give you until midnight Central Time on the next business day to make a deposit or transfer and avoid overdraft fees.

Make a deposit or transfer that brings your account to a positive balance, including new transactions that are being processed that day, and we’ll waive the overdraft fees.

24-Hour Grace; Returns

If you forgot about a check you wrote, or an automatic payment that was scheduled to debit your account, and you don’t have enough funds in your account, 24-Hour Grace gives you more time to make a deposit to cover any transactions that we would have returned unpaid. Just make a deposit or transfer to bring your account balance positive, including new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments) plus the total amount of possible return transactions before midnight Central Time of the next business day. If not, the transactions will be returned unpaid, and we will charge a return fee for each time we return a transaction (up to four per day).

We understand that money gets tight and Standby Cash is a great way to help you cover your potential returned items. Just make a transfer with Standby Cash during the 24-Hour Grace window to help bring your account positive, avoid return fees, and have your transactions paid.

Example:

You have $50 in your account when your $1,500 mortgage is scheduled to auto-pay that day. If we decide not to pay that into overdraft, we’ll give you more time to make a deposit, avoid return fees, and have your mortgage paid with 24-Hour Grace.

Make a deposit or transfer that covers the total amount of your possible return transactions, plus any new transactions that are being processed that day, and we’ll waive the return fees and pay your transaction.

Answer: The best way to protect yourself from overdraft and return fees is to know your balance and be sure you don’t spend money you don’t have. Here are three more things you can do:

  1. Talk to a Huntington Banker about overdraft options for your debit card, ATM transactions, checks, and electronic (ACH) transactions.
  2. Sign up for Overdraft Protection and link a savings account to your checking account. So, if you spend more money than you have in your checking account, we’ll automatically transfer money from your savings to cover the difference—for free.
  3. Understand the suite of tools and services Huntington offers to help you avoid overdrafts and return fees. Tools like Huntington Heads Up account alerts and Standby Cash, a line of credit that’s free when you sign up for automatic payments and pay it off over three months. Otherwise, a 1% monthly interest charge or 12% Annual Percentage Rate (APR) applies to the outstanding balances.

Answer: Yes, unless you ask us not to, we do authorize and pay overdrafts for checks, electronic payments, and transfers. Remember, it is always at the bank’s discretion to decide whether or not to pay a transaction. We do not guarantee that we will always pay any type of transaction.

Answer: No. If your debit card purchase was declined, you will not receive an overdraft or return fee.

Answer: You can sign up for overdraft protection option anytime by visiting a Huntington branch or calling (800) 480-2265.

Answer: You can change your overdraft options anytime in Huntington Online or Mobile banking, calling (800) 445-3658, or by visiting a Huntington branch. In Online Banking, customers can make changes by logging into their account, clicking Profile at the top and then Overdraft Options.

Answer: If your account is overdrawn for five consecutive business days, we will charge you a fee on the next business day (if your account is still overdrawn), and then again on every fifth business day while your account remains overdrawn, up to a maximum of four $25 fees (or $100) during that time. There is no extended overdraft fee if your balance is overdrawn by $50 or less.

Answer: No. 24-Hour Grace only applies to overdraft and return fees and does not apply to extended overdraft fees.

Answer: 24-Hour Grace gives you until midnight Central Time the day after you overdraw your account, or have eligible returns to make a deposit to bring your account balance positive, including new transactions from that day (such as debit card transactions, written checks, and scheduled automatic payments) plus the total amount of possible return transactions. We will not charge an overdraft fee unless your account is overdrawn by more than $50 ($50 Safety Zone).

For example, you overdraw your account on a Tuesday and have possible return transactions eligible for 24-Hour Grace. You have until midnight Central Time on Wednesday to bring your account balance positive plus the total amount of possible return transactions. Customers enrolled in Huntington Heads Up alerts will receive an email (and/or text message or push alert) the business day after they overdraw or have possible returned transactions, which is Wednesday in our example.

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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/Grace and huntington.com/SafetyZone

§Remember that the terms and conditions for funding account still apply, such as paying interest on the credit lines.

Message and data rates may apply.

Limit of 4 Overdraft Fees and 4 Return Fees per day. Limit of 4 Extended Overdraft Fees, which is charged every fifth business day while your account remains overdrawn. There is no overdraft or extended overdraft fee assessed when an account is overdrawn by $50 or less.

#We must receive your deposit by the next business day after your account is overdrawn by making a deposit at a branch before closing or before midnight at an ATM, by mobile deposit, or online transfer.

Subject to terms and conditions and other account agreements. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account open at least three months with consistent monthly deposit activity of $750 or more. Other eligibility requirements apply. Amount available through Standby Cash is subject to change based on changes to customer eligibility, including checking and deposit activity, overdrafts, and daily balances. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. If 100% 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. 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. Business checking accounts are not eligible for Standby Cash.

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

Voice Credit Card® and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. All Day Deposit℠, $50 Safety Zone℠, and Standby Cash℠ are service marks 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.