Huntington National Bank Review 2025
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At a glance
Overview
Huntington National Bank is a convenient option for many who live in the 10 states that have branches. Its consumer-friendly offerings include a free checking account, 24-hour overdraft forgiveness and all-day deposit capability that extends the deposit cutoff to midnight Central Time on business days.
Highlights:
Free CheckingHighlights:
CDs
Checking
Savings
MMA
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.1/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Overall
The Huntington National Bank offers consumer-friendly products and a network of more than 1,000 branches mostly in the Midwest and South. A free checking account is available, but yields on savings accounts and some standard certificates of deposit (CDs) are comparatively low.
Pros
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A free checking account is available.
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Huntington offers a 24-hour grace period on overdrawn transactions before incurring a fee.
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A wide range of CD terms gives customers the ability to build a CD ladder.
Cons
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Yields on many CDs are low.
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The minimum balance needed to earn interest on the money market account is steep.
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Huntington Bank banking products
Huntington Bank Relationship Savings
Pros
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Both savings accounts offered provide simple ways to avoid the monthly service fees.
Cons
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Most of the annual percentage yields (APYs) on both savings accounts are low.
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The minimum opening deposit is higher than what many other banks require.
Huntington’s Relationship Savings account charges a $10 monthly fee that’s avoidable by maintaining an average daily balance of $2,500 or having a qualifying Huntington checking account. The account requires a minimum of $100 to open and earns interest on all balances, though the APY is much lower than the national average.
The bank’s Premier Savings account has no maintenance fee when you also have a qualifying checking account or maintain a $300 balance. Otherwise, a $4 monthly fee applies. This account also pays a rock-bottom APY that’s below the national average. A minimum $50 deposit is required to open.
Huntington Bank standard CD
Pros
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The wide range of terms gives customers the ability to build a CD ladder.
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The minimum deposit for all standard CDs is a manageable $1,000.
Cons
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Most standard CD yields are very low, even for jumbo CDs. However, there are promotional CDs that offer better rates.
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No bump-up or no-penalty CDs are available.
Huntington Bank offers standard CDs with terms ranging from one month to six years, giving savers the flexibility to build a CD ladder of just about any length. The minimum deposit is $1,000 for all standard CDs. Jumbo CDs are also available with a deposit of $100,000 or more.
APYs for standard and jumbo CDs, however, are below the national average yield across term lengths. Huntington doesn’t offer any specialty CDs, such as a bump-up or no-penalty CD.
At the time of Bankrate’s review, Huntington was offering promotional CDs with terms of five and nine months, as well as promotional jumbo CDs with terms of 215 and 335 days, all of which earn competitive yields.
Rate history for Huntington Bank's CD accounts
See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.
Huntington Relationship Money Market Account
Pros
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Check-writing privileges and an ATM card.
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Current promotional rates are competitive for balances of $25,000 or more.
Cons
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The minimum balance needed to earn interest and waive the monthly fee is steep.
The Huntington Relationship Money Market account earns a paltry standard rate on balances over $25,000, with no interest on lower balances. However, promotional rates are currently offered that are competitive — although you’ll still need a minimum balance of $25,000 to earn any interest. Promotional rates are higher for customers who also have a Huntington checking account.
The account offers check-writing privileges and an ATM card is available. A $25 monthly fee applies, but it can be waived by maintaining a $25,000 minimum balance or by linking a qualifying checking account.
Huntington Bank Asterisk-Free Checking
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Overdraft fees:Good4/5Charges applied when a customer spends more money than is available in their account, resulting in a negative balance.NSF fees:Great5/5Non-sufficient funds fees are incurred when a transaction is attempted without enough money in the account to cover it.APY offering:0.00%0/5APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest.ATM network:Great5/5Accessibility to ATMs for account holders within a specific network or financial institution, facilitating cash withdrawals and transactions.
Pros
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Asterisk-Free Checking charges no maintenance fee and requires no minimum deposit.
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Perks Checking and Platinum Perks checking earn a little bit of interest.
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Overdrafts over $50 have a 24-hour grace period.
Cons
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Asterisk-Free checking charges $3.50 for each out-of-network transaction.
Huntington’s checking accounts include Asterisk-Free Checking, Huntington Perks Checking and Huntington Platinum Perks Checking. The bank also offers SmartInvest Checking. Asterisk-Free Checking is a no-frills, free checking account. There’s no minimum deposit needed to open the account and no monthly maintenance fee.
Huntington Perks Checking is an interest-bearing account that waives fees for up to five ATM withdrawals per month, among other features. The account’s $10 monthly fee can be waived if you have $1,000 in total monthly deposits or keep $5,000 in total relationship balances.
Huntington Platinum Perks Checking is another interest-earning account, and its $25 monthly maintenance fee is waived when you have $25,000 or more in total relationship balances. Perks include free unlimited non-Huntington ATM withdrawals.
How Huntington Bank compares with other banks
Compare different account types offered by Huntington Bank. Annual percentage yields (APYs) shown were updated between Nov. 28, 2025 and Dec. 4, 2025.
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Selected bank
Huntington National Bank CD
Bankrate score
2.7
Bankrate CD rating = 2.7/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
Most comparable
EverBank CD
Bankrate score
4.1
Bankrate CD rating = 4.1/5 Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
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Bankrate score
Bankrate CD rating Bankrate scores are objectively determined by our editorial team. Annual percentage yields (APYs) and minimum deposits are some of the things that make up Bankrate’s score. |
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APY
APY, or annual percentage yield, is the yearly return on a bank or investment account. APY includes the effects of compounding interest. APYs last updated between Nov. 28, 2025 and Dec. 4, 2025.
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| 0.50% | 3.90% | |
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Minimum deposit
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| $1,000.00 | $1,000.00 | |
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Term
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| 1 yr | 7 mos | |
| Huntington Bank offers a wide variety of CDs, ranging from as short as one month to as long as six years. All standard terms earn a very low yield, even with higher balances. However, Huntington Bank does have a couple of promotional CDs with competitive yields. All CDs, standard and promotional, require a minimum deposit of $1,000. | Everbank has CD terms ranging from three months to five years. Its CDs require a $1,000 minimum opening deposit, which is typical among banks. | |
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Bank fees
| Fee | Amount |
|---|---|
| Overdraft fee | $15 |
| Nonsufficient funds fee | None |
| Monthly maintenance fee | $0-$25 |
| Out-of-network ATM fee | $3.50 |
| Excessive transaction fee | None |
Customer experience
Customer service. General customer service is available from 7 a.m. to 8 p.m. ET, daily. Customers have access to a range of features, including a 24-hour grace period, which gives account holders until midnight the next day to bring their accounts positive when they've been overdrawn.
Branch availability. Huntington Bank has almost 1,000 branches across 10 states.
Highly-rated mobile app. Huntington’s mobile app is highly rated on the Apple App and Google Play stores. Huntington offers All Day Deposit, which extends the banking day until midnight Central Time for deposits made at an ATM or through its mobile app. Additional features include online bill pay as well as mobile banking and account alerts, and debit cards can be linked to digital wallets, like Samsung Pay and Google Pay, to pay for purchases with a smartphone.
Bankrate staff insights
"I've used Huntington Bank as my primary bank for over a decade and have always appreciated how easy it is to conduct my financial business through them. Huntington’s early pay feature means my direct deposit comes up two days early, which is nice to have," said a Bankrate staff member and accountholder. "Though, I’ve generally had to look elsewhere to earn a competitive interest rate on my emergency fund savings."
Disclosure: To enhance our product reviews, Bankrate employees often open accounts and provide feedback. They may have been compensated for their time and account maintenance, but this does not affect the integrity of their review.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
