Huntington Personal Checking

Guidance checked October 23, 2026. Full account terms last verified October 23, 2026; location-specific rates and eligibility still require confirmation with the bank.

Account Terms History

A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.

Monthly fees and ways to waive them

Each row links to the official account details. Waiver requirements apply by statement period; other service fees may still apply. Checked 2026-10-23.

Features

• ▸No minimum opening deposit across these four accounts
• ▸Asterisk-Free has no monthly maintenance fee; optional services still cost extra
• ▸Asterisk-Free, Perks and Platinum Perks can charge $15 per overdraft item, up to three daily, subject to the $50 Safety Zone and 24-Hour Grace
• ▸Early Pay may deliver recurring qualifying deposits up to two days early; it is not guaranteed
• ▸Eligible Standby Cash borrowers can access $100–$750 with a 5% advance fee; autopay avoids monthly interest, not the advance fee
• ▸Mobile check deposits, online bill pay and account alerts are available subject to their terms

Which Huntington checking account should you choose?

Asterisk-Free removes the monthly maintenance fee without requiring deposits or a balance. Perks adds five eligible outside-ATM withdrawals each statement cycle and optional credit monitoring. Platinum Perks adds unlimited eligible withdrawal reimbursements, free checks and identity monitoring. SmartInvest adds broader bank-fee waivers but requires a managed-investment relationship. None needs an opening deposit; that does not remove the ongoing requirements of a paid or relationship tier.

Perks and Platinum Perks fee waivers

Perks costs $10 per statement period unless eligible deposits total $1,000 or your Total Relationship Balance reaches $5,000. Transfers from your other Huntington accounts do not count toward that deposit test. Platinum Perks costs $25 unless Total Relationship Balance reaches $25,000. The balance calculation includes eligible accounts and the checking account’s average daily balance for the statement period, rather than a single last-day deposit. Eligible investments can count, but ERISA plan accounts are excluded. Huntington Honors provides a separate Perks waiver for qualifying military members, veterans and specified working or retired professions; documentation may be required.

Interest is a small part of the decision

The current promotion disclosures quote variable APYs of 0.02% for Perks and 0.03% for Platinum Perks across balance tiers. Asterisk-Free does not pay interest. At an unchanged 0.03% APY, a constant $25,000 balance would earn about $7.50 over a year before fees. That is much less than $300 in annual maintenance fees if all twelve $25 fees apply. A qualifying relationship balance can waive those fees, but moving money solely for this checking yield deserves comparison with other uses. A current numeric SmartInvest APY was not verified; ask for the rate applicable to your relationship.

ATM reimbursements do not cover every charge

Asterisk-Free charges $3.50 for a non-Huntington ATM withdrawal or transfer, in addition to the operator’s fee. Perks waives Huntington’s fee and reimburses legitimate operator withdrawal fees on the first five eligible withdrawals per statement cycle. Platinum Perks and SmartInvest provide unlimited eligible withdrawal coverage. Balance inquiries and other operator charges are outside that promise. Asterisk-Free, Perks and Platinum Perks also charge 3% on debit or ATM transactions processed outside the U.S. or in a foreign currency; SmartInvest’s schedule lists no Huntington international-transaction fee.

How the $50 Safety Zone and 24-Hour Grace work

For Asterisk-Free, Perks and Platinum Perks, the fee schedule lists $15 per overdraft item, capped at three per day, when the final daily balance is more than $50 overdrawn. With 24-Hour Grace, make the required deposit before midnight Central Time on the next business day. Include new debits and any eligible pending return items in the amount needed; a partial deposit may not cure everything. Huntington pays overdrafts at its discretion. ATM/debit overdraft choices are separate from check/ACH choices. The bank does not charge a return fee, though a merchant may, and a negative balance remains owed even inside the cushion.

Standby Cash has a fee even with autopay

Standby Cash is a separate $100–$750 line of credit for eligible customers, not an automatic benefit of opening checking. It charges 5% for an advance. A $500 advance therefore costs $25 even if you use automatic payments. Autopay avoids the additional 1% monthly interest charge, quoted as 12% APR, while repayment runs over three months. Eligibility includes three consecutive months of at least $1,000 in deposits and a $200 average daily balance over the prior 30 days, plus other requirements. Availability can change and account activity is reported to credit bureaus.

SmartInvest requires more than a large checking balance

SmartInvest requires at least $100,000 in Total Relationship Balance and a qualifying managed-investment account, other than an annuity. New customers have 95 days to establish the requirements. After that, a shortfall starts a 60-day opportunity to qualify again before conversion to Platinum Perks unless you choose another account. Managed investments have separate fees and risks, and investments are not FDIC-insured bank deposits. The checking schedule waives Huntington overdraft and wire fees, but those savings alone do not establish that the investment arrangement is worthwhile.

Opening an account and using the right bonus path

Have identification, your Social Security number or ITIN and a current U.S. address ready; independent applicants must be at least 18. The linked promotion offers separate Perks and Platinum Perks qualification paths. Use its online or branch-coupon process so a code is attached when opening, and read the current deadline and geographic restrictions. Earning a bonus does not automatically waive monthly fees. Early Pay is also separate: it requires a recurring qualifying deposit and a valid email address, may take up to 90 days to identify eligible deposits, and is not guaranteed.

Frequently asked questions