Huntington National Bank

Written by Kim Porter | Edited by Michael Kitchen | Published on 12/9/2024

Huntington National Bank has some useful options for overdraft protection, although its deposit interest rates aren’t always great. It also offers some ATM fee reimbursement to make up for a relatively small ATM network.

Established in 1866, Huntington National Bank is now the 20th-largest bank in the U.S. It has about 1,000 branches spread across Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Wisconsin and West Virginia, as well as in the Cayman Islands. It is also expanding into North Carolina and South Carolina.

Huntington has a full lineup of banking services and products, including checking accounts, high-yield savings accounts, money market accounts and certificates of deposit (CDs).

In addition to deposit options, the bank offers mortgages, home equity products, auto loans, personal loans and credit cards, along with insurance policies and wealth management services. Businesses can apply for business credit cards, loans and deposit accounts.

Among the bank's four checking account options, the Huntington Asterisk-Free Checking offers some of the most consumer-friendly features: no monthly service fee and no requirements for an opening deposit or minimum account balance.

All checking accounts allow you to use 1,600 ATMs in Huntington's network for free. Three of the checking accounts include free credit score monitoring and will reimburse you for some or all fees charged by out-of-network ATMs.

All four checking accounts offer several overdraft protection options. The $50 Safety Zone feature waives overdraft fees if you overdraw by up to $50. For larger overdrafts, you get 24 hours to replenish your account before being charged a fee. You can also link another account to cover your overdrafts.

Huntington National Bank has various promotional high-yield savings accounts and money market accounts. They all include a monthly service fee, although it can be waived if you meet requirements. Note that the annual percentage yield (APY) is very low if your balance is below a set minimum or you don’t get the promotional rates.

Huntington also offers standard CDs with terms ranging from seven days to six years. Most of the CDs have low APYs, though some promotional rates are available.

You can access customer support in person during business hours on weekdays or by phone every day from 7 a.m. to 8 p.m. Eastern time at 800-480-2265. The bank’s website also has an automated live chat feature.

Huntington National Bank’s mobile app is highly rated, earning 4.8 out of 5 stars on both the iOS and Android platforms.

Huntington National Bank pros and cons:

Pros:
• Out-of-network ATM fees reimbursed on some accounts
• About 1,000 branches
• Three types of overdraft protection

Cons:
• Small network of ATMs
• Branches limited to some states
• Low APYs on minimum balances, except on promotional accounts

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