The bottom line
- Huntington has its strongest presence in Michigan, Ohio, Pennsylvania and West Virginia, with fewer branches in other states across the Midwest and Southeast.
- Don’t expect to make much money off interest rates.
- Good online and mobile accessibility, the option of banking in person and 24/7 phone assistance make customer service Huntington’s greatest strength.
|Savings & money market accounts|
|Certificates of deposit (CDs)|
3.5 / 5.0
Huntington offers a good range of checking accounts with three different options: Asterisk Free, Huntington 5 and Huntington 25. Though interest-bearing Huntington 5 and Huntington 25 accounts have high minimum balances to avoid the maintenance fee, all accounts come with notable overdraft protection features that are hard to find elsewhere.
Savings and money market accounts
3.0 / 5.0
Huntington offers two savings accounts — Premier Savings and Relationship Savings — and one money market account.
Though linking your savings account to a higher-end Huntington checking account can boost your interest rates, rates are low across the board.
Certificates of deposit
2.5 / 5.0
Huntington offers a large range of CDs, including a wider than average variety of short-term CDs. But interest rates on the bank’s CDs are abysmally low, defeating the purpose of having a CD in the first place.
4.0 / 5.0
Huntington has a well-organized website that makes its fees easy to find. Its mobile apps have generally positive reviews on iOS and Android, and it offers online banking features such as bill pay and online statements.
Customer service is also robust, with a responsive 24/7 phone help line and a Twitter feed to answer consumer questions. It does have online chat services, but access to the “Chat Now” button appears randomly and rarely.
As a regional bank, Huntington is ideal for customers in Ohio or Michigan, where there are about 400 branches each. Pennsylvania and Indiana also have an ample number of branches.
2.5 / 5.0
Huntington sets itself apart from the crowd with 24-Hour Grace, its overdraft protection feature that comes free with all checking, savings and money market accounts. If you overcharge your account, you’ll have until midnight of the next business day to pull your balance up to at least minus $5 to avoid overdraft fees. You can also link another account for overdraft protection transfers, which are free.
If don’t bring up your balance, you’ll be hit with a $37.50 overdraft fee, up to four times a day; that can get expensive quickly. And if your balance remains below zero for five days, you’ll be smacked with an additional $25 fee per day.
Low rates; grace period on overdrafts
Updated Oct. 12, 2016.
NerdWallet’s overall rating is a weighted average of each category: checking, savings, CDs, customer experience and overdraft fees. Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing tech and customer service. Several Nerds contribute to each financial institution’s ratings to ensure consistency and accuracy.
What the ratings mean:
— Among the very best
— Very good; only minor caveats for most customers
— Good; issues that might make a difference to some customers
— Fair; make sure strengths and weaknesses are a good match for you
— Poor; proceed with great caution
(or below) — Best to avoid