Huntington
Huntington Business Checking (100 / Unlimited / Unlimited Plus)
By Alex Compton · Last verified
Midwest business banking with a free tier and standout overdraft forgiveness
Insurance: FDIC insured up to $250,000 (The Huntington National Bank)
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-12 | None on 100 and Unlimited; Unlimited Plus is interest-bearing | $0 (100), $20 (Unlimited), or $40 (Unlimited Plus); paid tiers waivable with relationship balances or a qualifying personal checking account | None | Huntington business checking page →Reconfirmed $0/$20/$40 tiers; waivers now also met with a qualifying personal checking account; Business Checking 100 cash allowance is $2,500 (not $5,000), then $0.30 per $100 |
| 2026-06-11 | None on 100 and Unlimited; Unlimited Plus is interest-bearing | $0 (100), $20 (Unlimited), or $40 (Unlimited Plus); paid tiers waivable | None | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- changed
Tier fees reconfirmed; personal-checking waiver path added and Business Checking 100 cash allowance corrected to $2,500
Fields: monthlyFee, plans, features
Huntington business checking page →
Plan Options
Business Checking 100
$0
- ▸No monthly fee, no waiver requirements
- ▸100 free transactions per month, then $0.50 each
- ▸Branch and ATM cash deposits up to $2,500 per month, then $0.30 per $100
Unlimited Business Checking
$20, waived with $10,000 in total deposit relationship balances or a qualifying Huntington personal checking account
- ▸Unlimited transactions
- ▸$10,000 free cash deposits per month, then $0.30 per $100
- ▸One bonus service included (e.g., fraud tools or deposit scanner credits)
Unlimited Plus Business Checking
$40, waived with $50,000 in total deposit relationship balances or a qualifying Huntington personal checking account
- ▸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 $2,500 / $10,000 / $25,000 by tier, then $0.30 per $100
- ▸Recurring business checking bonuses, often $400 to $1,000
- ▸Paperless statements are free; paper statements cost $5 a month
- ▸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 2026-10-12
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