Huntington Checking Accounts
Four checking accounts designed for everyday banking, perks, and relationship benefits. Open online in minutes.
Compare checking accounts
Source: Huntington personal checking comparison (huntington.com/Personal/checking). No minimum opening deposit required.
| Feature | Perks Checking | Asterisk-Free Checking | Platinum Perks Checking | SmartInvest Checking |
|---|---|---|---|---|
| Monthly maintenance | $0 with $1,000 monthly deposits or $5,000 across Huntington accounts; otherwise $10 | $0 | $0 with $25,000 relationship balances; otherwise $25 | $0 with $100,000 Total Relationship Balances + Managed Investment account |
| Relationship rates | Yes | — | Yes | Yes |
| Non-Huntington ATM fee waivers | 5 per statement cycle | — | Unlimited | Unlimited |
| Monitoring services | Yes | — | Yes | Yes |
| Free checks | — | — | Yes | Yes |
| HELOC / mortgage / investment relationship discounts | — | — | Yes | Yes |
Fair Play banking
- 24-Hour Grace — until midnight Central Time the next business day to deposit and help avoid overdraft fees.
- $50 Safety Zone — no overdraft fees when overdrawn by $50 or less (eligible consumer and business accounts).
- Early Pay — eligible customers may access paychecks early at no extra cost.
- Standby Cash — digital line of credit $100–$750 for eligible checking customers based on deposit history, not credit score.
After you open — Huntington Bank login
Enroll in digital banking, then use Huntington Bank Login, Mobile Login, or Enroll help.
Open an Account Online Banking Fair Play®
FAQs
How do I get today’s deposit APY?
Deposit APYs vary by ZIP code, balance, and relationship status. Ask a banker for a current rate sheet, or view rates in Online Banking after you enroll.
How do I log in securely?
Start at Huntington Bank Login (then Online Banking or Mobile Login). Huntington will never ask for your password in unexpected emails or texts.
Are my deposits FDIC insured?
Yes. The Huntington National Bank is Member FDIC. Coverage is up to $250,000 per depositor, per insured bank, for each ownership category.
Disclosures
The Huntington National Bank is an Equal Housing Lender and Member FDIC. Lending products are subject to credit application and approval. Investment and insurance products are not deposits, not FDIC insured, and may lose value. Rates and fees are subject to change.