{"account":{"slug":"huntington-checking","bank":"Huntington","name":"Personal Checking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.huntington.com/Personal/checking","history":[{"date":"2026-06-11","apy":"None on Asterisk-Free; 0.02% Perks and 0.03% Platinum Perks","monthlyFee":"$0 Asterisk-Free, $10 Perks, or $25 Platinum Perks with waiver paths","minimumOpen":"None","atm":"Huntington network; 5 outside-ATM waivers on Perks and unlimited on Platinum Perks","note":"Legacy three-tier snapshot with an older $100/$240/$400 bonus"},{"date":"2026-09-04","apy":"None on Asterisk-Free; 0.02% Perks, 0.03% Platinum Perks, and a variable rate on SmartInvest","monthlyFee":"$0 Asterisk-Free; $10 Perks and $25 Platinum Perks with waiver paths; $0 SmartInvest while eligible","minimumOpen":"None","atm":"5 outside-ATM fee waivers per cycle on Perks; unlimited on Platinum Perks and SmartInvest","note":"Added SmartInvest and reconfirmed current fees, APYs, ATM waivers, $50 Safety Zone, 24-Hour Grace, and the linked $400/$600 offer","sourceUrl":"https://www.huntington.com/Personal/checking","sourceLabel":"Huntington personal checking comparison"},{"date":"2026-10-23","apy":"Asterisk-Free pays no interest; Perks 0.02% APY and Platinum Perks 0.03% APY; SmartInvest variable APY not verified","monthlyFee":"$0 Asterisk-Free; $10 Perks or $25 Platinum Perks before waivers; $0 SmartInvest while its relationship requirements are met","minimumOpen":"No minimum opening deposit; paid-tier fee waivers and SmartInvest eligibility have separate requirements","atm":"Huntington ATM transactions are free. Asterisk-Free has no outside-ATM allowance; Perks covers five eligible withdrawals per statement cycle, and Platinum Perks/SmartInvest cover unlimited eligible withdrawals. Other transaction, network and international fees can remain.","note":"Reverified four tiers; corrected paid domestic wires, 3% international fees and Standby Cash $100–$750 limit with 5% advance fee. Added exact overdraft and SmartInvest conversion conditions.","sourceUrl":"https://www.huntington.com/Personal/checking","sourceLabel":"Huntington checking comparison and linked fee schedules"}],"verificationEvents":[{"id":"f819955a-7c7a-4725-b2aa-bdfc8c535353","entityType":"bank-account","slug":"huntington-checking","checkedAt":"2026-10-23T15:27:14.860Z","recordedAt":"2026-10-23T15:27:14.861Z","sourceUrl":"https://www.huntington.com/Personal/checking","sourceLabel":"Huntington current official disclosures","outcome":"changed","summary":"Reverified four checking tiers, fees, APYs, overdraft rules, Standby Cash and SmartInvest requirements. Corrected unsupported free-wire and fee-free-credit claims; SmartInvest numeric APY remains unverified.","changedFields":["tagline","apy","monthlyFee","minimumOpen","fdic","plans","features","atm","pros","cons","ourTake","bestFor","termHistory","lastVerified","sections","editorialReview"],"previousHash":"fd4f7f936f10b7835b7c52802afd93cb554daa03d0ec1c77a1eea9ea46be2399","recordHash":"0aef57b561839bcaa2352fbe974fb52867b714b7039275f0854b80bbd958ae2c"},{"id":"93916641-fe3a-41fd-b0ed-4da69cba5363","entityType":"bank-account","slug":"huntington-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:49:42.616Z","sourceUrl":"https://www.huntington.com/Personal/checking","sourceLabel":"Huntington personal checking comparison","outcome":"changed","summary":"Reconfirmed three core tiers and overdraft features and added the official SmartInvest tier and relationship requirements.","changedFields":["plans","termHistory","lastVerified"],"facts":{"perksApy":0.02,"platinumApy":0.03,"smartInvestRelationshipBalance":100000,"safetyZone":50},"previousHash":"815dfc8df75f091f1dc84ea193e6a780e319313b9888165cb9f2617b501855cb","recordHash":"75eb81426835f486e8f6a6c2d4fce564d40f78e3d13c7577631b8d85192466a1"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}