Your Business Banking Transition

Welcome to Business Banking at Huntington.

Now that TCF has joined Huntington, we are excited to share new details about how we’ll be stronger together for our customers. Here you can learn more about the kinds of financial products and capabilities that can help you reach more of your financial goals at Huntington.

Frequently Asked Questions

Key things to know

Here's where you'll find information about the transfer of your products, services, account history, and other important information.

Additional information can be located on the Treasury Management and Business Online transition resource page. The link was included in previous transition communications.

Learn more

Huntington Online Banking

For those Business Banking customers gaining access to online banking, learn more about the digital tools available – tools like Spend Analysis for Business and Cash Position and Cash Flow Forecast.

Learn More

Answers to your Questions

What are the key things to know about my transition to Huntington?

Answer: Refer to the Key Things to Know page, where you’ll find important details about transferring products, services, and account history.

Will my current banking team change?

Answer: Like TCF, Huntington understands the value of the trusted banking relationships you have established. Many TCF bankers and support staff have joined Huntington, and our goal is to preserve as many relationships as possible.

When can I start banking at Huntington branches and ATMs?

Answer: You can now bank at any of 1,100+ Huntington branches and 1,700+ ATMs.

Are any of my banking centers closing?

Answer: There are some TCF and Huntington banking center consolidations, primarily in places where the TCF and Huntington locations are close to each other. If a banking center near you is affected, we give you plenty of advance notice.

What happens to my FDIC coverage if I have accounts at TCF and Huntington?


If you had accounts at both banks, FDIC coverage of your deposits will remain separate through December 9, 2021 or possibly longer for Certificates of Deposit depending on the maturity date.

Under FDIC rules, funds on deposit at TCF National Bank and The Huntington National Bank at the time of the merger will temporarily continue to be separately insured by the FDIC up to the $250,000 per account ownership category at each bank. This treatment will continue for six months following the merger through December 9, 2021, except for Certificates of Deposit (CDs) and most Individual Retirement Accounts (IRAs), which have special rules that are explained below. This six-month period allows you the opportunity to examine and restructure your accounts to meet FDIC insurance guidelines, if needed.

CDs and most IRAs will continue to receive the separate deposit insurance coverage described above until the first maturity date on or after December 9, 2021. CDs and IRAs that mature between June 9, 2021, and December 9, 2021, and are renewed for the same dollar amount and term will continue to be separately insured until the first maturity date after the six-month period. CDs and IRAs that mature during the six-month period and are renewed on any other basis (different term or for a different amount) will be insured separately through December 9, 2021.

How will Huntington support my community?

Answer: Supporting local communities is one of our top priorities. Huntington has a five-year, $40 billion commitment to strengthen our communities, small businesses and foster economic justice. In just this past year, we have placed $952 million in community development loans and investments, including loans supporting affordable housing. Now and in the future, we will continue to work with integrity and focus, working with our clients and giving back to the people and organizations who depend on us.

How did my deposit accounts transfer to Huntington?

Answer: For your convenience, we selected the Huntington account that was closest to your previous TCF account. We sent you a Welcome Package describing your new accounts. Learn more on the Key Things to Know page.

What happened with my account numbers, checks, statements, and other services?

Answer: Your account and routing numbers changed as of October 12, 2021. We sent you a letter with your new deposit account and routing number(s). They are also available in Huntington Online Banking.

Even though your account number changed, you can continue to use your TCF or Chemical checks until they run out.

You can learn more about these topics and many others on the Key Things to Know page. If you have questions that are not covered there, you can always call us at (800) 480-2001 or speak with your banker.

Where can I find my new Account Disclosure Document?

Answer: Your new Account Disclosure Documents were provided in the Welcome Package. You can also view the Business Account Disclosure Document and Treasury Management Agreement online.

What will happen with my debit card?

Answer: New Huntington Debit Mastercards were mailed in late September or early October to checking account customers, provided you used your TCF debit card for a purchase or cash withdrawal at least once in the past 12 months leading up to your transition to Huntington. If you only have a savings account, we sent you an ATM replacement card.

Activate and use your new card beginning on the date on the card activation sticker.

You will continue to use your current PIN with your new card. For your personal security, if your existing TCF PIN was 9999, we mailed you a new PIN prior to the date shown on the activation sticker on your new card.

You may continue to use your TCF debit card until you have activated your new Huntington card. Your TCF debit card will be deactivated on November 4, 2021, if you have not previously activated your new Huntington debit card or you have not received a new card.

Remember to update your new card information anywhere you have it saved for automatic payments like mobile wallet, utilities, memberships, and online purchases. Your new Debit Mastercard comes with many great benefits.Visit for details about the benefits available to you.

How will you transfer my Treasury Management functions?

Answer: Helping you maintain effective treasury functions for your business is important to Huntington, and we provide all the tools, services, and specialized expertise you need. You can count on our hands-on assistance to help ensure a seamless transition. View more details, information, and resources.

What is happening with online banking?

Answer: Based on your company’s banking relationship at TCF, we selected the online banking platform we think best suits the needs of your business. You should have received important instructions related to your digital tools for a smooth transition.

What is happening with my business loans, lines and credit accounts?

Answer: All your current loans, lines of credit, equipment loans and leases, and other credit accounts transferred to Huntington with the same terms and conditions. Any autopayments you have arranged for your loans will continue unless you hear from us. If paying by mail, please note the new payment address on your first Huntington statement. For additional details, see the Huntington Welcome Package we sent in late August.

What is happening with my TCF/Chemical credit card?

Answer: If you currently have a TCF or Chemical branded credit card, your account will continue to be managed by First Bankcard (the current provider) and will not move to Huntington. Your card will continue to work without any interruption. Please contact the telephone number or website listed on the back of your card for any questions.

How do I apply for PPP forgiveness during this transition process?

Answer: Huntington began accepting PPP forgiveness applications for TCF PPP loans as of June 16, 2021. Please contact your Relationship Manager with any questions.

What Makes Huntington Different

We’re a bank that never hesitates to come up with big ideas that go beyond banking-as-usual. Whether it’s a business challenge or some other obstacle, we see challenges as opportunities to make things better. In recent years, we’ve made headlines with unique ideas that have helped our business customers bank more efficiently, pay fewer fees, control spending, and chart a stronger future.

We see our customers as people first. Because we know that in the end, yes, banking is about money, but it’s about people’s money: the money your business generates for you, your employees, and their families. That’s why we’re always looking out for you, which is why we think you’ll like banking at Huntington.

A Bigger Toolbox To Help Businesses Thrive.

You can count on your business banking team for the experience, the lending strength, and the carefully customized solutions to help you keep your business healthy and growing.

Small Business Loans and Lines

At Huntington you’ll find the financing to help you grow your business and the know-how to help you do it wisely.

Treasury Management

We have tools, services, and Relationship Managers with specialized industry experience to help you meet today's operating needs and work toward future goals.

Lift Local Business℠ Program

Special financing and assistance to help women-, veteran-, and racially and ethnically diverse-owned businesses succeed in their industry.

Overdraft and Return Fee Relief

If you accidentally overdraw your business checking account by $50 or less, you won't be charged an overdraft fee thanks to our $50 Safety ZoneSM. It's as simple as that. And if you overdraft by more than $50, 24-Hour Grace® will give you more time to make a deposit in order to avoid an overdraft or return fee2.

2Your account will be closed if it is negative by any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at and

No. 1 SBA Lender

Looking out for local businesses helped make us the No. 1 SBA lender in our region and and in the nation in number of SBA 7(a) loans. We'd love to help your business, too.

SBA loans subject to SBA eligibility. Huntington is #1 in the nation in number of SBA 7(a) loans from October 1, 2017 to September 30, 2020. Huntington is the #1 SBA 7(a) lender in the region made up of Illinois, Indiana, Kentucky, Ohio, Michigan, West Virginia, and Western Pennsylvania from October 1, 2008 to September 30, 2020. Source: U.S. Small Business Administration (SBA).

Greenwich Associates

We owe it all to our customers

It’s an honor to be recognized by Greenwich Associates with a 2020 Greenwich Excellence Award for U.S. Middle Market Banking in a number of categories, including:

- Overall Satisfaction
- Likelihood to Recommend

Greenwich Excellence Award is based on over 11,000 interviews with businesses with sales of $10–500 million across the country. Comparisons are based on all banks covered across the United States.

First Bankcard® is a registered trademark of First National Bank of Nebraska, Inc.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

$50 Safety Zone℠ and Lift Local Business℠ are service marks of Huntington Bancshares Incorporated. 24-Hour Grace® is a federally registered 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.

24-Hour Grace® is a federally registered 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.

Quicken® and QuickBooks® are registered trademarks of Intuit Inc.

Other third-party product, service, and business names are trademarks and/or service marks of their respective owners.

TCF®, the TCF logo, are federally registered service marks of Huntington Bancshares Incorporated.