Additionally, the all-day deposit policy, which treats any deposit made before midnight on a business day as getting in on the same business day, is a remarkably forgiving rule that helps customers stay in the black. Pair that with the hour grace policy for overdrafts, which gives customers until midnight the day after an overdraft to make a deposit or transfer to cover the overdraft, as well as the free deposit-to-deposit overdraft protection with a Premier Savings account.
Huntington 5 Checking. This is Huntington's lower-level interest-bearing checking account. Customers can earn 0. There is no minimum required to earn or no minimum deposit to open this account. Huntington 5 Checking offers the same forgiving policies as Asterisk-Free checking: all day deposit, a hour grace period, and overdraft protection. You need to link this account to a Relationship Savings account to receive the overdraft protection.
In addition, account holders are also eligible for 1. Huntington 25 Checking. For customers looking for higher rates from an interest-bearing checking account, the bank offers Huntington 25 Checking. Account holders earn 0. Like the other checking accounts, Huntington 25 provides all-day deposit, a hour grace period, and overdraft protection with a Relationship Savings account. Huntington 25 also comes with some other major perks:. Huntington Relationship Money Market Account. Like the Relationship Savings account, Huntington's money market account offers better rates if you have additional accounts.
Like Huntington's traditional checking accounts, the Relationship Money Market account also provides all-day deposit, a hour grace period, and overdraft protection.
Huntington offers standard CDs with terms ranging from one to 72 months. The terms range from seven to 1, days approximately 60 months and the rates from 0.
The fact that Huntington describes its jumbo CD terms in days, rather than months, makes it difficult to compare jumbo rates with standard rates. Converting the terms from days to months helps to clarify that jumbo rates seem to be approximately the same for similar term lengths. Huntington has a single credit card, the Voice Credit Card, offered through Mastercard.
Customers can choose to receive cashback rewards or a lower annual percentage rate APR. In addition to the above products and services, Huntington also offers the following:. Customers have a number of avenues available to reach customer support, starting with live agents available daily by phone from 7 a. The website also boasts automated customer support systems, as well as an easy-to-use search tool, and a comprehensive FAQ page.
You can also reach out to Huntington via Twitter or Facebook any time. You can open an account online or in a branch. Though Huntington is only present in 10 states, the bank appears to be friendly to customers outside of this region. The Huntington mobile app allows customers to handle transactions including mobile check deposit on the go. The app has a 4. Customers looking for solid options for basic checking and savings accounts would be well served by Huntington.
Its truly free checking account, forgiving policies that keep minor mistakes from blowing up, and easy methods to avoid fees with the basic savings account make it attractive to many customers' needs. Add in the fact that Huntington also offers a wide array of other products and services, and it's clear that this is a good one-stop-shop for banking customers. For those with higher balances, Huntington is not necessarily a good choice. The rates available on all the interest-bearing accounts are not as high as can be found at other institutions, particularly online-only banks.
Additionally, Huntington is only present in 10 states which limits the bank's reach, especially for customers who want basic banking options and like to able to walk into a branch. Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of banks. We collected over 20 data points across more than 80 banks including products available, interest rates, fees, and accessibility to ensure that our content helps users make the right decision for their savings and banking needs.
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We and our partners process data to: Actively scan device characteristics for identification. I Accept Show Purposes. Your Money. Personal Finance. Your Practice. Popular Courses. Open Account. Pros Basic checking account is fee free All day deposit hour grace period on overdrafts Robust customer support. Company Overview. Year Founded Official Website www. ET : They also all offer free overdraft protection so you can connect your checking account to another Huntington account that will transfer funds if you risk overdrawing.
One of the account's best features is its sign-up bonus. You can earn up to 1. It's comparable to what other big brick-and-mortar banks pay, but you can find higher rates at online banks. You'll earn a higher rate on your money market account if you also have a checking account, and you won't have to pay a monthly fee. Terms range from 1 to 72 months, and you have the potential to earn a higher APY with longer terms. However, Huntington's rates are relatively low compared to online competitors.
You can open an account online, but you still must be a resident of one of the following states:. You can call Huntington customer support or chat live online Monday through Friday, from a. You can call Saturday, a. You can chat live online on weekends from a. A strong BBB score indicates a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
If this controversy between Huntington and its employees worries you, you may decide to bank elsewhere. We compared Huntington to two brick-and-mortar banks that are prominent in the same part of the country: Chase and US Bank. If you want to open a money market account, then you'll want to go with Huntington over Chase; Chase doesn't have a money market account. Chase offers more CD term length options than Huntington. If you want a term over 72 months, then you'll probably prefer Chase.
Chase doesn't have a no-fee checking account option like Huntington does, but you may qualify to have your monthly fee waived. If it's still a toss-up between these two banks, then your decision may come down to which has a branch closer to your home. US Bank could be a good option for people who want to open a money market account.
US Bank also has even more types of checking accounts than Huntington does, so you may decide you like one of those options. Disclosure: This post may highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners.
This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.
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