Open a Checking Account Online

If you want a basic checking account with no monthly maintenance fee or an interest-earning checking account, we've got the option that's right for you.

Asterisk-Free Checking®

A checking account, free from minimum balances.

Huntington 5 Checking®

Upgrade to an interest-bearing checking account.

Huntington 25 Checking®

Our higher interest, most rewarding checking account.

Checking Comparison

Checking Comparison
Asterisk-Free Checking Apply NowDisclosures Huntington 5 Checking Apply NowDisclosures Huntington 25 Checking Apply NowDisclosures
Interest Bearing ? - Yes
Earned on account balance
applies to all balance tiers.
Yes
Earned on account balance
applies to all balance tiers.
Free ATM Withdrawals ? - 5
Waive up to 5 per cycle§.
Unlimited
Non-Huntington ATM withdrawals§.
MMA/Savings Relationship Rate Benefit ? -
The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington 5 or Huntington 25 Checking AccountÕ.
The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington 5 or Huntington 25 Checking AccountÕ.
Credit Card Bonus ? - 1.05% 1.25%
Family Banking ? -

Earn relationship benefits based on the balances across all consumer accounts you own or share jointly with someone else
Earn relationship benefits based on the balances across all consumer accounts you own or share jointly with someone else
Credit Score Monitoring ? -
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
See your monthly credit score, plus alerts, a credit simulator, and more – at no added cost^
Identity Monitoring ? - -
Access to tools that can alert you to suspicious activity with your personal information and financial accounts – at no added cost^
Free Checks ? - - Unlimited

Home Equity Relationship Discount ? -

-

0.15%-0.50% rate discount on a home equity line of credit plus an annual fee waiver. Based on your deposit relationship balances
Mortgage Relationship Discount ? -

-

Up to 0.375% of portfolio loans or pricing discounts on saleable loans
Investments Relationship Discount ? -

-

100 commission-free online equity or ETF trades per year ($6.95 commission thereafter) through Huntington Financial Advisors®
Monthly Maintenance Fee ? $0
No monthly maintenance fee
$5
or $0 if you have:$5,000 in Total Relationships Balances. Otherwise $5 a month.
$25
or $0 if you have:$25,000 in Total Relationships Balances. Otherwise $25 a month.

Innovations designed to help take care of your money.

All of our checking customers get access to products and tools built on forgiveness, faster access to cash, and more automatic saving.

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††.

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.

## 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.

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.

††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.

Checking Account Basics

What is a checking account and why do I need one?

A checking account is a secure account at a financial institution to store your money, where you can deposit or withdraw money as needed. In the past, you would visit a bank branch to deposit a physical paycheck or withdraw cash from your account. Purchases could be made using a paper check that drew money from your account. While you can still do all of these things, you have many more options now. You can deposit or withdraw money at an ATM, have your paycheck deposited directly into your account, deposit a check through your mobile device, and make purchases with a debit card.

Learn more about the difference between checking and savings accounts.

Checking Resources

How to Open
Learn the basics of what documents you'll need and how to open a checking account at Huntington.

Switch Banks
Considering a switch to Huntington? Learn how to close your current checking account for a smooth transition.

Banking Options
Find out about joint checking account options and their benefits or student banking resources.

Checks 101

Order New Checks
Got checks? Whether you’re ordering for the first time or need more, find out how to order new checks here.

How to Read a Check
Looking for your account and routing numbers? Learn how to read a check for answers to this question and others.

How to Write a Check
Whether you’re new to writing checks or haven’t written one in a while, get a refresher on how to write a check.

Contact Us

We're here for you — online, by phone, or in a branch.

Automated Assistant

Quick answers when you need them

Speak with Us

We are here to help

Find a Branch

Find your nearest Huntington Branch

§With Huntington 25 we'll waive all & with Huntington 5 your first 5 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.

ÕThe interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington 5 or Huntington 25 Checking Account. Ask a banker to see a rate sheet for details.

#You may qualify for a Bonus on points earned on your Voice Credit Card when you have a linked consumer Huntington 25 or Huntington 5 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.

Voice Credit Card also offers a lower rate version that does not earn rewards; instead it has a 2% lower purchase APR. Ask a banker for more information to help you choose which type of card is right for you.

^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.

ΩThe 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 May 18, 2021. 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.

Credit products are subject to credit application and approval.

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.

Total Relationship Balance: You can avoid the monthly checking maintenance fee for any statement period for either Huntington 5 or Huntington 25 checking account when you keep a total relationship balance of at least $25,000 for Huntington 25 or $5,000 for Huntington 5 in eligible deposits held directly with us or investments made through our affiliate, The Huntington Investment Company. Eligible deposits are 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 certain direct investments in mutual funds and annuities, as well as retail life insurance products. 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.

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.

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.

††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.

Asterisk-Free Checking®, Huntington 5 Checking®, Huntington 25 Checking®, Voice Credit Card®, 24-Hour Grace® and Money Scout® are federally registered service marks of Huntington Bancshares Incorporated. Standby Cash and $50 Safety Zone℠ 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. Standby Cash is patent pending.