Huntington
Huntington Business Checking (100 / Unlimited / Unlimited Plus)
Midwest business banking with a free tier and standout overdraft forgiveness
Insurance: FDIC insured up to $250,000 (The Huntington National Bank)
Plan Options
Business Checking 100
$0
- ▸No monthly fee, no waiver requirements
- ▸100 free transactions per month, then $0.50 each
- ▸Free cash deposits up to $5,000 per month
Unlimited Business Checking
$20, waived with $10,000 total deposit relationship balance
- ▸Unlimited transactions
- ▸$10,000 free cash deposits per month
- ▸One bonus service included (e.g., fraud tools or deposit scanner credits)
Unlimited Plus Business Checking
$40, waived with $50,000 total deposit relationship balance
- ▸Unlimited transactions and $25,000 free cash deposits per month
- ▸Interest-bearing balances
- ▸Two bonus services included
Features
- ▸Free 100 tier with no conditions, plus genuinely unlimited paid tiers
- ▸24-Hour Grace: a full business day to fix overdrafts before fees hit
- ▸No overdraft fee at all when overdrawn by $50 or less
- ▸Cash deposit allowances of $5,000 / $10,000 / $25,000 by tier
- ▸Recurring business checking bonuses, often $400 to $1,000
- ▸Roughly 1,000 branches across 11+ Midwest and Southeast states
Pros
- +Best overdraft policy among traditional banks
- +Aggressive, recurring sign-up bonuses on business checking
- +Relationship-balance waivers count multiple deposit accounts
- +Unlimited tiers remove per-item anxiety
Cons
- −Footprint limited to the Midwest and parts of the South
- −Only Unlimited Plus pays interest, and modestly
- −100-transaction cap on the free tier is middling
- −$50,000 waiver bar on the top tier is steep
Our Take
Huntington pairs a solid free tier with the friendliest overdraft handling in branch banking, and its periodic business checking bonuses are among the richest anywhere. The tier ladder is logical: stay free at low volume, step into Unlimited when transactions or cash climb. If you operate in its footprint, open it during a bonus window and it is arguably the best regional deal in the country.
Best for: Midwest businesses that can catch one of Huntington's big checking bonuses
Open at Huntington →Last verified 2026-06-11
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