Huntington Bank is a full-service regional bank founded in 1866 and headquartered in Columbus, Ohio. It operates over 1,400 branches in 21 states and holds $285 billion in total assets. The bank ranks among the largest regional banks in the United States.
The bank offers checking, savings, money market accounts, CDs, mortgages, SBA loans, and wealth management services. Huntington earned recognition as the ‘Best Digital Bank for Consumers in the United States’ through Euromoney’s 2026 Awards for Excellence. Its 24-hour overdraft grace period stands out among regional bank competitors.
Our team at Coffee Loving reviewed Huntington Bank’s full product lineup, fee structure, customer reviews, and competitive positioning. Here’s what you need to know before opening an account in 2026.
What Is Huntington Bank?
Huntington Bank is a full-service regional bank founded in 1866 and headquartered in Columbus, Ohio, with over 1,400 branches in 21 states and $285 billion in total assets. The bank serves consumers, small businesses, municipalities, and corporations through checking, savings, mortgages, wealth management, and SBA lending services.
Huntington Bancshares Incorporated is the holding company for The Huntington National Bank. In 2024, Forbes named Huntington among the largest banks in the United States. The bank holds recognition as the largest originator of SBA 7(a) loans in the country, a meaningful distinction for small business customers.
In 2025, Huntington announced two major acquisitions: Veritex Community Bank for $1.9 billion and Cadence Bank for $7.4 billion. Both are all-stock transactions. Together, these deals are expected to push Huntington’s assets toward $276 billion and deposits toward $220 billion, expanding its geographic reach well beyond its current 21-state footprint.
Who Is Huntington Bank Good For?
Huntington Bank is best suited for consumers and small businesses in the Midwest who want a full-service bank with in-person branch access, a wide product lineup, and relationship-based perks across checking, savings, and lending. Customers who consolidate multiple accounts at Huntington benefit most from its relationship savings rates and fee waiver incentives.
The bank is a strong fit for customers who value checking account bonuses. Huntington frequently offers introductory cash bonuses for opening eligible checking accounts and meeting deposit thresholds. Small business owners focused on SBA lending also find Huntington to be a top-tier option, given the bank’s national leadership in 7(a) loan origination volume.
Huntington’s branch network covers Ohio, Michigan, Indiana, Illinois, Pennsylvania, West Virginia, Colorado, Minnesota, Wisconsin, and additional states. Customers in these markets gain full access to the bank’s product lineup and in-branch support for complex financial needs including home loans and commercial credit.
Key strengths:
- Over 1,400 branches in 21 states
- Four checking account tiers to fit different needs
- Relationship savings rates up to 4.00% APY
- Largest SBA 7(a) loan originator in the United States
- 24-hour overdraft grace period on all eligible checking accounts
- 2026 Euromoney ‘Best Digital Bank for Consumers’ award
Who Should Avoid Huntington Bank?
Huntington Bank is not ideal for customers outside its 21-state footprint, for savers who want consistently high rates without account-linking conditions, or for customers who prioritize smooth customer service based on documented review history. Online-only banks such as Ally Bank and Laurel Road offer higher savings APYs without minimum deposit conditions or checking account requirements.
Review data presents a real concern. Huntington holds an average Yelp rating of 2.2 from 1,468 reviews and a Trustpilot rating of 1.2 from 278 reviews as of mid-2026. Complaints cluster around fraud resolution failures, account access blocks, and difficulty reaching effective customer service. These patterns suggest service inconsistency that prospective customers should weigh carefully.
What Accounts Does Huntington Bank Offer?
Huntington Bank offers a comprehensive suite of deposit products including four checking account tiers, multiple savings products, money market accounts, and certificates of deposit with relationship-based rate structures. This product depth allows customers to consolidate all deposit activity under one banking relationship, which unlocks better rates and fee waivers across account types.
Beyond deposit accounts, Huntington provides personal loans, home equity lines, mortgages, auto loans, business banking, SBA-backed financing, and investment services through Huntington Financial Advisors. The bank also offers trust, brokerage, and customized insurance through affiliated subsidiaries.
Huntington Bank product lineup:
| Product | Starting Requirement | Top Rate / Feature |
|---|---|---|
| Checking accounts | $0 per month (Asterisk-Free) | Four tiers with bonus options |
| Savings accounts | $50 minimum opening deposit | Up to 4.00% APY (relationship) |
| Money market accounts | $0 minimum opening deposit | Up to 3.75% APY (relationship) |
| Certificates of deposit | Varies by location | Up to 4.00% APY |
| SBA business loans | Varies by loan type | Largest SBA 7(a) originator (US) |
What Are the Huntington Bank Checking Account Options?
Huntington Bank offers four checking account tiers: Asterisk-Free Checking, Perks Checking, Platinum Perks Checking, and SmartInvest Checking, each with different monthly fees, waiver conditions, and relationship benefits. The Asterisk-Free Checking account carries no monthly maintenance fee and requires no minimum balance. It is the most accessible entry point for new customers.
Perks Checking charges a monthly fee that customers can waive by meeting a minimum monthly direct deposit or maintaining a qualifying balance. Platinum Perks and SmartInvest tiers are structured for higher-balance customers and active investors. Both include waived domestic ATM fees and additional relationship perks tied to linked accounts.
All four tiers include the 24-hour grace period on overdraft fees and access to Zelle, mobile check deposit, account alerts, and early pay features for qualifying direct deposit customers.
Huntington Bank checking tiers:
- Asterisk-Free Checking: No monthly fee, no minimum balance
- Perks Checking: Monthly fee waivable by meeting deposit or balance threshold
- Platinum Perks Checking: Higher-tier perks including waived ATM fees
- SmartInvest Checking: Designed for investment-active customers with integrated tools
What Are the Huntington Bank Savings Account Rates?
Huntington Bank offers a Relationship Savings Account with rates up to 4.00% APY for customers who link an eligible checking account and deposit a minimum of $5,000 in new money. The standard savings rate outside this relationship tier is considerably lower and less competitive compared to top-yielding online-only banks.
The Premier Savings Account serves as the baseline option with a lower rate structure designed for customers who don’t meet the relationship savings tier requirements. Here’s the thing: the 4.00% rate is attractive on paper, but it comes with conditions. Customers must fund a linked checking account and bring in a minimum of $5,000 in new deposits to qualify.
Savings rate comparison:
| Bank | Top Savings APY | Minimum Requirement |
|---|---|---|
| Huntington Bank | 4.00% | $5,000 new money + linked checking |
| Ally Bank | 3.30% | No minimum |
| Laurel Road | 3.50% | No minimum |
Huntington Bank offers CD rates up to 4.00% APY depending on location, term length, and relationship status. Both standard and jumbo CD options are available, along with a Money Market IRA CD for retirement savings. Here’s a key detail most people miss: CD rates vary by ZIP code and are not published nationally. Customers need to confirm local rates through the Huntington website or a branch representative before committing.
What Are the Fees at Huntington Bank?
Huntington Bank charges monthly maintenance fees on most checking tiers, with the exception of the Asterisk-Free Checking account, which carries no monthly fee and no minimum balance requirement. Perks Checking, Platinum Perks, and SmartInvest accounts each carry tiered monthly fees based on account type and relationship status.
Overdraft fees apply when a transaction exceeds the available balance, but Huntington’s 24-hour grace policy gives customers until midnight of the next business day to bring the balance back to zero. No fee applies if the customer makes a qualifying deposit within that window. This overdraft grace period is one of the more consumer-friendly policies among major regional banks.
Out-of-network ATM fees apply at the base checking tiers. Platinum Perks and SmartInvest customers receive waived ATM fees at domestic ATMs. Wire transfer fees, stop payment fees, and certain service charges apply as standard across all tiers.
Can You Waive Huntington Bank Monthly Fees?
Yes. Monthly maintenance fees at Huntington Bank can be waived on most checking tiers by meeting a minimum monthly direct deposit amount or by maintaining a qualifying average daily balance. The specific threshold varies by account type, with lower tiers requiring smaller deposits and higher tiers requiring larger balance minimums.
Customers with linked savings accounts or investment relationships may also qualify for additional fee waivers on certain tiers. Huntington does not publicly list all waiver thresholds on its main website, so the most reliable approach is to review the account disclosure documents at opening or confirm requirements directly with a branch representative.
Fee waiver options:
- Meet the minimum monthly direct deposit threshold for your account tier
- Maintain the required average daily balance across the statement cycle
- Link a qualifying savings or investment account to your checking account
- Confirm additional waiver options with a branch representative at account opening
What Are the Benefits of Banking With Huntington Bank?
Huntington Bank delivers a comprehensive banking relationship that includes in-branch access across 21 states, multi-product integration, a 24-hour overdraft grace period, relationship savings rates up to 4.00% APY, and a digital platform recognized as the ‘Best Digital Bank for Consumers in the United States’ by Euromoney in 2026.
In fact, the bank’s SBA lending strength is a major differentiator that goes overlooked in most consumer bank comparisons. Huntington is the largest originator of SBA 7(a) loans in the United States. That matters significantly for small business owners who need access to government-backed financing with experienced underwriters and established processes.
Huntington also invests in community programs in its core markets. The Ignite the Classroom initiative, launched in 2024, funds professional development for educators in Ohio, Michigan, Indiana, Illinois, Wisconsin, and Pennsylvania. These programs reflect a broader community investment philosophy that the bank actively promotes through its regional marketing and branch teams.
Key benefits of Huntington Bank:
- 24-hour overdraft grace period on all eligible checking accounts
- Relationship savings rates up to 4.00% APY
- 2026 Euromoney award for best US consumer digital banking
- Largest SBA 7(a) loan originator in the United States
- Checking account bonuses available for new account openings
- Full wealth management, trust, and brokerage services
- Early pay direct deposit access for qualifying customers
Does Huntington Bank Offer Overdraft Protection?
Yes. Huntington Bank provides a 24-hour overdraft grace period on eligible checking accounts, giving customers until midnight of the next business day to deposit sufficient funds and avoid the overdraft fee entirely. This policy applies automatically and requires no special enrollment from the customer.
In addition to the grace period, Huntington offers optional overdraft protection through a linked savings account or an approved line of credit. Customers who link a savings account can have funds transferred automatically when a transaction triggers an overdraft. This secondary protection layer reduces the chance of a fee for customers who maintain a savings balance alongside their checking account.
Is Huntington Bank’s Digital Banking Any Good?
Yes. Huntington Bank’s digital platform earned recognition as the ‘Best Digital Bank for Consumers in the United States’ through Euromoney’s 2026 Awards for Excellence, reflecting its mobile app design, account management tools, and customer-first digital experience. This is a global industry recognition, not a local or self-awarded designation.
The Huntington mobile app supports mobile check deposit, Zelle transfers, account alerts, spending tracking, and early pay for qualifying direct deposit customers. SmartInvest account holders gain integrated investment account access within the same platform. Security features include fingerprint and face ID login, 128-bit SSL encryption, and multi-factor authentication for all account access.
What Do Huntington Bank Reviews Say?
Huntington Bank receives mixed to negative reviews on major consumer platforms, with a 2.2 average rating on Yelp from 1,468 reviews and a 1.2 average rating on Trustpilot from 278 reviews, indicating widespread dissatisfaction despite the bank’s broad product lineup and digital award recognition. Review patterns reveal consistent complaints about fraud resolution, customer service responsiveness, and account access issues.
Does the Euromoney award contradict the negative reviews? Not necessarily. The award reflects the digital platform’s design and experience. The complaints in consumer reviews more often involve back-office processes, fraud handling, and telephone support, which are operationally separate from the front-end digital interface the award evaluated.
What Do Customers Praise About Huntington Bank?
Huntington Bank customers most frequently highlight the bank’s branch network, relationship perks, checking account bonus offers, and support for complex financial needs such as business loans, mortgages, and investment services. Business customers in particular report positive experiences with the commercial lending team and the bank’s SBA loan capabilities.
One Yelp reviewer described a five-star commercial property financing experience, noting that Huntington funded the deal within two months. That’s real-world evidence of a bank that performs well in structured lending environments. SmartInvest checking customers also report appreciation for integrated investment tools within the digital platform.
In-branch customers in Ohio and Michigan frequently cite local branch availability as a top positive, particularly for customers who prefer discussing financial decisions in person with a dedicated banker rather than through phone support.
What Are the Most Common Complaints About Huntington Bank?
Huntington Bank’s most frequent complaints center on fraud resolution failures, unexpected Zelle and transfer account blocks, difficulty reaching knowledgeable customer service representatives, and slow processing for loan-related paperwork after account payoffs. These complaints appear consistently across Yelp, Trustpilot, and WalletHub review forums through mid-2026.
A Trustpilot reviewer in July 2026 reported being unable to receive lien release paperwork three weeks after paying off a loan in full, stating the bank had ‘no department to talk to regarding your lien or title.’ Another reviewer described her account’s Zelle access being blocked just before rent was due, with no resolution after four days of contact with representatives. A third reviewer described being unable to reach any department to collect a retirement benefit owed.
Slow branch transactions also appear as a recurring complaint among in-branch customers. Some reviewers cite wait times of 30 minutes or more for routine teller transactions, with explanations attributed to slow computer systems. These documented service gaps contrast directly with the bank’s 2026 digital award and suggest the in-branch experience has not kept pace with digital investment.
Pros:
- Strong branch network in the Midwest
- Competitive relationship savings rates up to 4.00% APY
- 24-hour overdraft grace period
- Award-winning digital banking platform
- Largest SBA 7(a) loan originator in the US
- Checking account cash bonuses available
Cons:
- Low consumer review ratings on Yelp and Trustpilot
- Relationship savings rates require linked accounts and minimum new deposits
- CD and savings rates vary by ZIP code and are not publicly listed nationally
- Reported issues with fraud resolution and account access blocks
- Available in only 21 states
- Slow branch transaction speed cited in multiple reviews
Is Huntington Bank Safe?
Yes. Huntington Bank is a federally insured institution and Member FDIC through The Huntington National Bank, meaning all deposit accounts are insured up to $250,000 per depositor, per account ownership category. This protection applies to checking, savings, money market, and CD accounts held at the bank.
Beyond deposit insurance, Huntington secures online and mobile accounts with 128-bit SSL encryption, fingerprint and face ID authentication, and multi-factor login verification. The bank also provides challenge question security and automated alerts for unusual account activity. These are standard security practices for major US financial institutions.
Is Huntington Bank FDIC Insured?
Yes. Huntington Bank carries full FDIC insurance through The Huntington National Bank, protecting depositor funds up to $250,000 per depositor, per ownership category, with joint accounts receiving separate coverage of up to $250,000 per co-owner. This effectively doubles the insured limit for married couples or business partners sharing an account.
Investment products offered through Huntington Financial Advisors are not FDIC insured, are not guaranteed by the bank, and may lose value. Customers should maintain a clear distinction between deposit accounts and investment or brokerage accounts when evaluating the full safety profile of their Huntington relationship. Deposit accounts are protected. Investment accounts are not.
How Does Huntington Bank Compare to Other Banks?
Huntington Bank competes directly with other Midwest regional banks including Fifth Third Bank, KeyBank, and PNC Bank, while also facing comparison against national online-only banks like Ally Bank and Laurel Road for savings and CD rate competitiveness. Huntington’s advantage is branch density and product breadth. Its weakness is savings rate competitiveness outside its relationship tier and customer service consistency.
Against Fifth Third Bank, Huntington offers comparable checking account structures and similar branch density in Ohio and Michigan. The real gap shows up in consumer review scores. Fifth Third holds a Trustpilot rating of 4.0 versus Huntington’s 1.2. That’s a significant difference in documented customer experience quality. PNC Bank holds a Trustpilot rating of 2.1, which is still meaningfully better than Huntington’s rating.
Against Chase Bank, Huntington offers comparable regional banking services but with a smaller national footprint. Chase operates across all 50 states. Huntington is limited to 21 states. Customers who travel frequently or live in states outside Huntington’s network will face branch access limitations that Chase customers do not encounter.
Huntington Bank vs. competitors:
| Bank | Trustpilot Rating | Branch Availability | Top Savings APY |
|---|---|---|---|
| Huntington Bank | 1.2 | 21 states (1,400+ branches) | 4.00% (relationship) |
| Fifth Third Bank | 4.0 | 11 states | Varies by account |
| PNC Bank | 2.1 | 28 states + DC | Varies by account |
| Ally Bank | N/A (online only) | No branches | 3.30% (no minimum) |
Is Huntington Bank Better Than Ally Bank?
No. For savings rate accessibility and documented customer satisfaction, Ally Bank outperforms Huntington Bank with a 3.30% APY savings rate available with no minimum balance or account-linking requirement, versus Huntington’s 4.00% rate that requires $5,000 in new deposits and a linked checking account.
Short answer: it depends on what you need. Ally wins on savings rate accessibility and online experience. Huntington wins on branch access, SBA lending, product breadth, and in-person relationship banking. Customers focused on growing savings online without conditions will find Ally the stronger choice. Customers who need a full-service bank with branches for mortgages, business loans, and in-person support will find Huntington the more complete option.
Is Huntington Bank Worth It?
Huntington Bank is worth it for customers within its 21-state network who value a full-service relationship bank with in-branch access, checking account bonuses, a 24-hour overdraft grace period, and SBA lending support, but it is not the best fit for customers who prioritize savings rate competitiveness without conditions or who expect consistently strong customer service based on current review data.
And it gets better for Huntington’s case: the 2025 acquisitions of Veritex Community Bank and Cadence Bank signal real expansion ambition. The Cadence deal alone adds $7.4 billion in value and extends Huntington’s reach into new markets. For customers in those incoming geographies, Huntington is becoming a more relevant option than it was even 12 months ago.
Bottom line: Huntington is a solid regional bank for relationship-oriented customers in the Midwest. Its review scores are a genuine concern and prospective customers should factor that into their decision. The right move is to compare Huntington’s local rates and branch availability against the specific alternatives available in your area before opening an account.
Should You Open a Huntington Bank Account?
Yes, if you’re in Huntington’s service area and value branch access. Huntington Bank is a strong option for Midwest-based consumers who want a full-service relationship bank with in-branch availability, broad product selection, checking account bonuses, and overdraft grace protection. The relationship savings rate of 4.00% APY is genuinely competitive when the conditions are met.
Our writers at Coffee Loving Cardmakers recommend comparing Huntington’s actual rates and fee structures for your ZIP code before committing. Rates vary by location. The relationship savings tier requires account linking and a $5,000 minimum new deposit. If those conditions work for your situation, Huntington’s product depth and branch access make it a solid regional banking choice for 2026.
