Huntington Bank Review 2019

Huntington Bank Logo


The Huntington National Bank attracts its customers with consumer-friendly products and an impressive branch network for its size.


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About Huntington Bank

The Huntington National Bank offers a full range of products and services, including banking products, wealth management and insurance. Founded in 1866, the bank is one of the largest operating throughout the middle part of the country. It has more branches in Michigan and Ohio than any other bank. Many of its branches are operated inside of grocery stores.

Huntington is a good option if you’re looking for a lot of branches in Ohio or Michigan. Its Asterisk-Free Checking is also a good option if you don’t want to worry about maintaining a balance to avoid a fee.


  • There’s a free checking account option available.
  • Offers 24-Hour Grace, a program the gives you until midnight the next day to bring your account positive.


  • Yields for savers are low.
  • Overdraft fees are high.
  • Offers no out-of-network ATM fee reimbursement.

Huntington Bank Services

Savings Rating


The Huntington Relationship Savings account offers an APY more than twice the national average. You need an average daily balance of $2,500 or for the account to be linked to either a Huntington 5 or Huntington 25 checking account to avoid the $10 maintenance fee. The Premier Savings Account has no maintenance fee if you have an average daily balance of $300 or if it’s linked to a Huntington Asterisk-Free Checking Account.


  • The Premier Savings $4 monthly maintenance fee is waived if you have a Huntington Asterisk-Free Checking account.
  • The APY is more than twice the national average.
  • Huntington has All Day Deposit. This means that the deposit day ends at midnight for deposits made at an ATM or through the mobile app.


  • The introductory interest rate is only on $25,000 to $2 million.
  • Savings at twice the national average isn’t a competitive yield.
  • Quarterly compounding on the savings account is another drawback.

Savings accounts available from other banks

CDs Rating


Huntington Bank offers standard CDs across terms ranging from one month to 72 months. Promotional CDs are also available. The minimum deposit is $1,000. Early withdrawal penalties vary depending on the length of the CD term. For 1-year CDs, the penalty for an early exit is just three months. But for CDs with terms higher than 18 months, you can lose up to a year’s worth of interest.


  • Interest is compounded daily.
  • Interest can be paid out regularly based on your personal preference.


  • CD yields are low compared to what online banks offer.
  • Savers do not earn more interest for higher balances.
  • Harsh early withdrawal penalty for long-term CDs.

CDs available from other banks

Checking Rating


Huntington 25 Checking offers the highest interest rates of checking accounts from Huntington Bank. There is no minimum deposit to open the account. The $25 monthly service fee can be waived with at least a $25,000 balance combined across accounts. Huntington waives the $3 fee for all cash withdrawals at ATMs outside its network as well as reimburses for fees charged by the owner of the ATM. Other options include Asterisk-Free Checking which does not earn interest but comes with no monthly maintenance fee and Huntington 5 Checking with lower interest rates, a $5 monthly fee and limited ability to waive fees for ATM withdrawals.


  • Customers can earn interest on any balance.
  • Unlimited free ATM withdrawals and free checks.


  • Balance to avoid $25 monthly fee is high.
  • $37.50 for overdraft charges up to $150 per day.

Checking accounts available from other banks

The Huntington Relationship Money Market Account is the top savings product at Huntington -- as long as you have a linked checking account to get an introductory interest rate that is nine times the national average on $25,000 to $2 million. An ATM card is available for the money market account.


  • The Huntington Relationship Money Market Account introductory rate offers a competitive rate for a money market account at a brick-and-mortar bank.
  • The Huntington Relationship Money Market Account does have check-writing privileges.
  • An ATM card is available for the money market account.
  • This 365-day term introductory rate is longer than at other institutions that only have an introductory rate for three months — or for potentially less time.


  • There are much better savings APYs at other banks than at Huntington.
  • After a year the guaranteed introductory APY turns into a variable APY.
  • Checks are only complimentary if you have a Huntington 25 account, which requires $25,000 in total relationship balances.
  • The APY on the Huntington Relationship Money Market Account only has a 365-day term at more than nine times the national average. After that, it may stay at that APY, but — like most money market accounts — isn’t guaranteed to stay there.

MMAs available from other banks

Bank Experience Rating


The Huntington Bank experience shines on a number of fronts. For one, customers can contact the bank 24 hours a day, seven days a week. They can also link their debit cards to digital wallets, like Samsung Pay and Google Pay, to pay for things with their smartphones. Customers can also set up alerts to get a heads up about important money moments on Huntington’s mobile banking app and more. In the Midwest, Huntington has a robust branch network and it counts 1,860 ATMs across eight states. Bank customers are still waiting on getting Zelle. But Huntington says the feature is coming soon.

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