Fewer Fees, faster access, financial controls, and the know-how you need, in a branch or in your pocket.
Faster Access to Money
For checking customers, we have ways to provide cash when you need it.
Early Pay
If you have a Huntington checking account with direct deposit, you could get paid up to two days early at no cost to you#.
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Standby Cash®
Once you qualify, instantly access between $100 and $500 with our do-it-yourself, digital only line of credit. Eligibility is based primarily on your checking and deposit history, not your credit score. Just pay a 5% cash advance fee when you make a transfer. Pay it back over three months and there's no monthly interest charge when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances†.
We add a dash of "nobody's perfect" to every account. Because we're human too.
Asterisk-Free Checking®
Asterisk-Free Checking is free to open and free to maintain. It also comes with access to our powerful digital savings and money management tools in the Hub.
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$50 Safety Zone®
If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee thanks to our $50 Safety Zone®. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to fix it and avoid overdraft fees or returns.‡
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Powerful Financial Controls
Our accounts are filled with smart features that make managing your spending and saving a matter of taps.
Set your financial goals with confidence. With features like Savings Goal Getter℠, Spend Analysis, Spend Setter℠, and Look Ahead Calendar℠, we'll help you see how much you need to save, and track your progress along the way. And they're free with every account.
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Huntington Mobile App
Whether at home or on the go, you can quickly and securely check balances, pay bills, deposit checks, and more with our mobile app. Download the app and your accounts are a tap away.
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Huntington Heads Up®
Huntington Heads Up lets you know exactly where your money is going and provides real-time insights to help you make more informed decisions¶.
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We look out for people.
Open a Huntington checking account online today and we'll make a believer out of you.
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†Standby Cashis subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety Zone® services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it’s paid to a zero balance. Business checking accounts are not eligible for Standby Cash.
#You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circ*mstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.
‡Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/SafetyZone and huntington.com/Grace.
¶Message and data rates may apply.
Standby Cash®, Asterisk Free Checking®, 24-Hour Grace® Huntington Heads Up® and $50 Safety Zone® are federally registered service marks of Huntington Bancshares Incorporated. Savings Goal Getter℠, Spend Setter℠, and Look Ahead Calendar℠ are service marks of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.Standby Cash is patent pending.
How checking and savings accounts differ. The primary benefit of a checking account is to provide you with access to your money for everyday needs. Savings accounts, on the other hand, enable you to set aside money for longer-term goals. Savings accounts pay interest on balances.
The pros of checking accounts include: the ability to easily manage your money and pay bills through automatic payment, set up automatic transfers to other financial accounts, and getting paid faster through direct deposit of paychecks and IRS tax refunds.
There are some benefits to having both accounts at the same bank or credit union. Doing so makes it easy to manage your money and make near-instant transfers between accounts. Some banks also waive monthly fees if you link checking and savings, though they may also require a minimum balance in the combined accounts.
Savings account benefits include safety for your savings, interest earnings and easy access to your money. However, savings accounts may have drawbacks, such as variable interest rates, minimum balance requirements and fees.
Earning interest is one of the biggest benefits of savings accounts. This means your bank will pay you to keep your money in the account. Typically, banks advertise the savings accounts they offer by their APYs (annual percentage yields).
Disadvantages are getting little to no interest on the balance of the account, account fees, no physical cash, having to remember a PIN, and not building credit. Most people and businesses would benefit from opening a checking account to manage their finances.
How checking and savings accounts differ. The primary benefit of a checking account is to provide you with access to your money for everyday needs. Savings accounts, on the other hand, enable you to set aside money for longer-term goals. Savings accounts pay interest on balances.
Checking accounts are typically used to make frequent deposits and withdrawals and to cover everyday expenses. Meanwhile, a savings account holds money for medium- and long-term needs. A savings account typically pays higher interest rates than a checking account.
Savings accounts are bank or credit union accounts designed to keep your money safe while paying interest. Your savings account funds will be easily accessible, which can be ideal option for emergency funds. You'll typically earn a lower rate savings accounts versus other options like CDs or bonds.
A savings account is a good place to keep money for a later date, separate from everyday spending cash, because it offers safety, liquidity and interest-earning potential for your funds. These accounts are a great place for your emergency fund or savings for shorter-term goals, such as a vacation or home repair.
Putting money into a savings account allows you to earn interest on your balance. Some checking accounts pay interest, but many do not. Money left to sit in a non-interest-bearing checking account doesn't have a chance to grow.
You can take money out of a savings account if you need it to cover an expense. Some banks permit only six withdrawals per month, though that limit is no longer federally mandated. If you make frequent withdrawals from a savings account, it may affect how much interest you'll earn.
Many personal finance experts recommend saving at least three to six months' worth of expenses. But this could also vary based on if you experience income fluctuations and other personal factors. If you don't have an emergency fund yet, it can help to start with small savings goals, and work your way up from there.
In the traditional sense, checking and savings accounts are both incredibly safe places to keep your money. The National Credit Union Administration (NCUA) automatically guarantees accounts up to $250,000 for each member of a federally insured credit union.
Typically, the best 5% interest savings accounts offer a higher interest rate for lower account balances and reduce the interest rate significantly if you keep a high account balance. If you maintain a high account balance, you might prefer a bank account that offers the same APY regardless of your account balance.
Take advantage of the best features of a savings account—access, security, interest, and bill pay—with a trusted partner who's invested in your long-term success.
Introduction: My name is Francesca Jacobs Ret, I am a innocent, super, beautiful, charming, lucky, gentle, clever person who loves writing and wants to share my knowledge and understanding with you.
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