Huntington Bank Review: Checking, Savings and CDs

If you live within Huntington Bank's branch network and you’re looking for a checking account with easily avoidable fees, it can be a solid bank.

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Overall bank rating

Huntington National Bank
  • Savings

  • Checking

  • CD rates

  • Banking experience

  • Overdraft fees

3.5

NerdWallet rating 

The bottom line:

If you’re in the Midwest or Southeast and are looking for a no-frills bank to stow your money, Huntington Bank will get the job done. Low and easily avoidable fees are a draw, but low interest rates are a drag.

Pros

  • Easy to avoid fees.
  • $50 overdraft buffer.

Cons

  • Low interest rates on savings and CDs.
  • Overdrafts, if they happen, are expensive.

Full review

Huntington National Bank Premier Savings Account
Huntington National Bank Premier Savings Account

Savings

Member FDIC

3.5

/5
 NerdWallet rating 
APY
0.01%
With $0.01 min. balance for APY

The Premier Savings account has a $4 monthly fee, but it is easy to avoid. It can be waived with a linked Asterisk-Free Checking account or $300 average daily balance. You’ll need $50 to open a Premier Savings account, and it earns interest even if the balance drops lower than that amount. But with a low rate, you probably won't see your money grow much.

» Want to compare rates? Check out our list of the best savings accounts

Huntington National Bank Asterisk-Free Checking®
Huntington National Bank Asterisk-Free Checking®

Checking

Member FDIC

4.0

/5
 NerdWallet rating 
Monthly fee
$0
Bonus
$150
Requirements to qualify

Huntington’s basic Asterisk-Free Checking account is free to open and use. It has no monthly maintenance fee, no minimum balance requirement and no minimum opening deposit requirement.

The bank has over 1,700ATMs, a solid number for a regional bank.

» See how Huntington Bank compares with the other largest banks in the U.S.

Huntington National Bank CD
Huntington National Bank CD

CD

Member FDIC

1.5

/5
 NerdWallet rating 
1-year APY
0.03%
3-year APY
0.03%
5-year APY
0.03%
Minimum deposit
$1,000

Huntington offers a large range of CDs, including a wide variety of short-term CDs, but interest rates are very low. The minimum deposit of $1,000 is pretty standard for large institutions, but some banks don’t have any minimum.

Banking experience

4.5

NerdWallet rating 

Huntington has more than 1,000 branches, mostly across the Midwest and Southeast. In addition, the bank has a daily 7 a.m. to 8 p.m. ET phone line, a Twitter feed to answer consumer questions and automated chat support. It also offers a full deck of standard online banking features, like bill pay and paperless statements. Huntington Bank’s mobile app gets a 4.8 out of 5 from iOS users, but Android users rate it 3.7 out of 5.

Overdraft fees

3.0

NerdWallet rating 

You won’t be charged an overdraft fee unless you overdraw your account by more than $50. Some banks charge an overdraft fee when an account is overdrawn by more than $5.

If you do overdraw your account by more than $50, Huntington offers a free overdraft protection feature called 24-Hour Grace. You can avoid an overdraft fee by pulling your balance up to a positive amount by midnight of the next business day. You can also link another account for overdraft protection transfers, which are free.

If you don’t bring up your balance, you’ll be hit with a $36 overdraft fee up to four times a day. And if your balance remains below zero for five days, you’ll be charged an additional $25 fee every five business days, up to four times, until your account is out of the negative.

Huntington National Bank Premier Savings Account
Huntington National Bank Premier Savings Account

Savings

Member FDIC

3.5

/5
 NerdWallet rating 
APY
0.01%
With $0.01 min. balance for APY

The Premier Savings account has a $4 monthly fee, but it is easy to avoid. It can be waived with a linked Asterisk-Free Checking account or $300 average daily balance. You’ll need $50 to open a Premier Savings account, and it earns interest even if the balance drops lower than that amount. But with a low rate, you probably won't see your money grow much.

» Want to compare rates? Check out our list of the best savings accounts

How does Huntington National Bank compare?

NerdWallet rating 

4.0

/5
NerdWallet rating 

4.5

/5

APY

2.35%

With $5,000 min. balance for APY

APY

2.15%

With $0 min. balance for APY

Bonus

N/A

Bonus

N/A

Methodology

NerdWallet’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, banking 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 technology, customer service and innovation. The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.