Huntington Bank Review: Checking, Savings and CDs
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Overall bank rating
3.5
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
Savings
Member FDIC
3.5
/5 NerdWallet ratingThe 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
Checking
Member FDIC
4.0
/5 NerdWallet ratingHuntington’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.
CD
Member FDIC
1.5
/5 NerdWallet ratingHuntington 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 ratingHuntington 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 ratingYou 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.
Savings
Member FDIC
3.5
/5 NerdWallet ratingThe 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
Checking
Member FDIC
4.0
/5 NerdWallet ratingHuntington’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.
CD
Member FDIC
1.5
/5 NerdWallet ratingHuntington 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.
4.5
NerdWallet ratingHuntington 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.
3.0
NerdWallet ratingYou 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.
How does Huntington National Bank compare?
 LendingClub High-Yield Savings Member FDIC |  SoFi Checking and Savings Member FDIC |  Discover Bank Online Savings Member FDIC |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 5.0 /5 |
APY 4.25% With $0 min. balance for APY | APY 4.00% With $0 min. balance for APY | APY 3.60% With $0 min. balance for APY |
Bonus N/A | Bonus $250 Earn up to $250 with direct deposit. Terms apply. | Bonus $200 Requirements to qualify |
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.
