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 12 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.
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 = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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 = 4.4/5
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.
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.
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.
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.
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 900 branches mostly in the Midwest and South. A free checking account is available, yet yields on savings accounts 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, the Huntington Premier Savings account and the Huntington Relationship account, provide simple ways to avoid the monthly service fees.
Cons
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Some of the APYs on both accounts are low. However, the Huntington Relationship Savings account offers 3.03 percent APY on certain balances, as of February 19, 2025.
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The Relationship Savings account’s minimum opening deposit is higher than what many other banks require.
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.
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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The money market account has check-writing privileges and an ATM card.
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Current promotional rates are high 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.
Huntington Bank Asterisk-Free Checking
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.
Cons
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Asterisk-Free checking charges $3.50 for each out-of-network transaction.
How Huntington Bank compares with other banks
Compare different account types offered by Huntington Bank. Annual percentage yields (APYs) shown were updated between June 16, 2025 and June 22, 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 June 16, 2025 and June 22, 2025.
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| 0.50% | 4.00% | |
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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 | 1 yr | |
| 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 | Charges |
|---|---|
| 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. Customer service is available 7 a.m. to 8 p.m. ET, daily. Customers have access to a range of features, including 24-Hour Grace, which gives account holders until midnight the next day to bring their accounts positive when they've been overdrawn.
Branch availability. Huntington Bank has more than 900 branches across 12 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.
Huntington Bank customer reviews
Huntington Bank has 49 reviews
Dive into community reviews below and see what others think about Huntington Bank.
In July 2024, Bankrate collaborated with a third-party vendor to survey 1,200 bank account holders nationwide. Bankrate and our vendor collected and summarized account holder responses to five rating questions on a 5-point scale as well as open-ended reviews of the banking experience. Responses are based on individual account holder product details, and therefore cannot be verified for accuracy. Reviewers received an incentive for their feedback. Their ratings are unedited and have not been reviewed or approved by the associated bank or credit union, nor do these responses reflect Bankrate's own expert review of these banking products.
