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Huntington National Bank Review 2023

Updated January 1, 2023
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At a glance

3.4
Rating: 3.4 stars out of 5
Bankrate Score
Caret Down

CDs

Rating: 2.5 stars out of 5

Checking

Rating: 4.8 stars out of 5

Savings

Rating: 2.7 stars out of 5

MMA

Rating: 1.9 stars out of 5

About Bankrate Score

Overview

Huntington is a convenient option for many who live in the Midwest and the South who prefer to bank in person. Its consumer-friendly offerings include a no-frills, free checking account, 24-hour overdraft forgiveness and all-day deposit capability that extends the deposit cutoff to midnight on business days.

Highlights

  • ATM Fee Refunds
  • Free Checking
Compare offers
Bank logo
Member FDIC
Savings Account
3.30
%
APY
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
4.40
%
APY
Rating: 0 stars out of 5
$500
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
1.10
%
APY
Rating: 0 stars out of 5
$100
Min. balance for APY
View offer Arrow Right

Overall

The Huntington National Bank offers consumer-friendly products and a network of more than 1,100 branches mostly in the Midwest and South.

Pros

  • Checkmark

    A free checking account is available.

  • Checkmark

    The bank offers customers access to a range of features, like 24-Hour Grace, which provides an extra business day to make deposits to avoid overdraft and return fees.

  • Checkmark

    A wide range of CD terms gives customers the ability to build a CD ladder.

Cons

  • Yields for savers are very low.

  • The minimum balance needed to earn the intro rate on the money market account is steep.

Huntington Bank bank products

2.7
Rating: 2.7 stars out of 5
Bankrate Score

Huntington Bank savings overview

Huntington offers two savings accounts: Relationship Savings and Premier Savings.

Relationship Savings charges a $10 monthly fee, but it’s easily avoidable by maintaining  an average daily balance of $2,500 or having a qualifying Huntington checking account. The account requires just a penny to open and start earning interest, though the APY is lower than the national average, unless it is linked with a private client account.

The Premier Savings account has no maintenance fee with an average daily balance of $300 or if it’s linked to a qualifying checking account. Otherwise, a $4 monthly fee applies. This account also pays an APY that’s below the national average. A minimum $50 deposit is required to open.

Pros

  • Checkmark

    Both accounts offer simple ways to avoid the monthly service fees.

Cons

  • The APYs on both accounts are very low.

Compare Offer
Bank logo
Member FDIC
Savings Account
3.30
%
APY
Rating: 4.7 stars out of 5
Info
$0
Min balance for APY
View offer Arrow Right

Bank experience

Huntington Bank shines on a number of fronts. 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. Huntington also offers All Day Deposit, which extends the banking day until midnight for deposits made at an ATM or through its mobile app. Additional features include online bill pay, 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.

Customer service is available 8 a.m. to 7 p.m. Eastern time, daily. An automated assistant is also available.

About Huntington Bank

Founded in 1866, The Huntington National Bank offers a full range of products and services, including banking products, wealth management and insurance. It merged with TCF Financial Corp. in 2021 and now operates more than 1,100 branches in 12 states, mainly in the Midwest and two Southern states.

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.