Huntington Bank Review
Reach consumers actively researching financial products.
Learn About Partnership →
Huntington National Bank Review 2026
A complete, unbiased guide to Huntington National Bank's financial products and services.
Become a Partner Verified brand — keep your data current and earn the verified badge on this page.
Huntington National Bank is a Columbus, Ohio-based regional bank founded in 1866 and one of the largest banks headquartered in the Midwest, operating approximately 970 branches concentrated in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, Illinois, Wisconsin, Colorado, and Minnesota. Huntington is particularly well known among consumer banking observers for its overdraft-relief features: the $50 Safety Zone eliminates overdraft fees when the end-of-day overdrawn balance is $50 or less, and 24-Hour Grace gives customers until the next business day at midnight to bring the balance positive and avoid an overdraft fee — two features that were meaningfully ahead of large-bank peers when introduced. Asterisk-Free Checking is its no-monthly-fee entry product. Perks Checking and Platinum Perks Checking add relationship benefits at higher balance tiers. Business banking covers small through commercial clients with three checking tiers and SBA lending. Huntington's digital platform has improved materially, though its J.D. Power scores are below the large-bank average — reflecting some distance between the quality of its consumer-protection product features and the overall customer experience rating. Huntington is most relevant for Midwest consumers who want branch-based banking with genuinely consumer-friendly overdraft policies.
| Full Legal Name | The Huntington National Bank |
| Founded | 1866 |
| Headquarters | Columbus, OH |
| Stock Ticker | HBAN (NYSE) |
| FDIC Insured | Yes — deposits insured up to $250,000 per depositor |
| BBB Rating | A |
| J.D. Power Score | 648 |
| Industries / Products | Consumer Banking · Business Banking |
| Data Last Verified | March 10, 2026 |
Some fields may not be available for all institutions. Brand representatives can submit current data here →
Huntington is the Midwest regional bank most associated with consumer-friendly overdraft policy. The $50 Safety Zone — no overdraft fee when the end-of-day balance is overdrawn by $50 or less — and 24-Hour Grace — time until midnight of the next business day to cure an overdraft before fees apply — were introduced before most large banks had adopted similar protections. These features are particularly valuable for direct-deposit consumers who live close to their account balance and occasionally overdraw by small amounts. Asterisk-Free Checking is the no-fee entry product. The Midwest branch network — approximately 970 locations across 11 states — is dense in Huntington's core Ohio, Michigan, Indiana, and Pennsylvania markets. J.D. Power scores for Huntington have trailed the large-bank average, suggesting that the quality of the overdraft features has not fully translated into top-tier overall satisfaction ratings.
- Asterisk-Free Checking
- Perks Checking
- Platinum Perks Checking
- Savings and money market accounts
- Certificates of Deposit
- Asterisk-Free Checking has no monthly maintenance fee
- Perks and Platinum Perks require qualifying balances or relationship criteria
- $50 Safety Zone means no overdraft fee if overdrawn by $50 or less at end of day
- 24-Hour Grace lets customers cure overdrafts by next business day
- linked-account protection available
- Huntington mobile app
- Zelle
- Mobile deposit
- Email and text alerts
- Bill pay
- Spend analysis tools
Asterisk-Free Checking carries no monthly service fee and no minimum balance requirement — the most accessible entry product in Huntington's lineup and one of the more consumer-friendly no-fee checking options among regional banks. Perks Checking and Platinum Perks Checking carry monthly fees waivable through relationship balance and direct-deposit criteria. The $50 Safety Zone and 24-Hour Grace reduce the real-world overdraft fee exposure for Asterisk-Free customers who occasionally overdraw by small amounts — a practical advantage over peers like Fifth Third whose Extra Time applies but starts after the overdraft event rather than preventing it at the $50 level.
Huntington's mobile app provides core banking functions — mobile deposit, Zelle, bill pay, account alerts, and spend analysis tools — adequately. The app has improved in recent years and includes budgeting and spending categorization features that go beyond basic account management. It is competitive for a Midwest regional bank but does not match the UX quality of Capital One or Chase. Consumers who primarily bank digitally and are choosing between Huntington and an online bank should weight the Midwest branch access heavily in that comparison — the digital experience alone is not Huntington's differentiator.
Huntington does not operate a formal consumer relationship-rewards ecosystem. Its retention value is built into product design — no-fee Asterisk-Free Checking, the $50 Safety Zone, and 24-Hour Grace — rather than into tiered balance-linked perks. Perks and Platinum Perks Checking add some relationship benefits at higher tiers, but these do not constitute a broad loyalty program comparable to Bank of America's Preferred Rewards.
Huntington's approximately 970 branches are concentrated in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, Illinois, Wisconsin, Colorado, and Minnesota. Within those markets — particularly in the Ohio cities of Columbus, Cleveland, Cincinnati, and Dayton — Huntington's branch density is competitive with any regional bank. Outside those states, Huntington has essentially no physical presence. The in-footprint ATM network provides surcharge-free cash access for customers in its markets.
Huntington’s business checking products are strongest for small businesses that want traditional banking access plus alerts, mobile tools, and business-friendly overdraft timing through 24-Hour Grace.
- Business Checking 100
- Unlimited Business Checking
- Unlimited Plus Business Checking
- Sole proprietorship
- LLC
- Partnership
- Corporation
- Business debit cards
- Merchant services
- ACH and payment tools
- Online and mobile banking
- Alerts
- Cash-flow tools
Compared with fintech business accounts, Huntington provides stronger branch support and lending adjacency, though fintechs may still offer faster onboarding and deeper integrations.
✓ Best For
- Midwest consumers who want branch banking with the most consumer-friendly overdraft policies at a major regional bank
- Direct-deposit customers in Huntington's footprint who occasionally overdraw and want the $50 Safety Zone and 24-Hour Grace as protection
- Small businesses in Huntington's Midwest markets that want branch-supported business checking with SBA lending access
- Consumers who want a no-fee checking account from a regional bank without balance or deposit requirements
✗ Look Elsewhere If
- Consumers outside Huntington's Midwest footprint who need branch banking — Huntington has no meaningful presence elsewhere
- Customers who want a formal banking relationship-rewards program tied to deposit balances
- Digital-first consumers who prioritize the most capable mobile banking app
- Anyone whose primary criterion is savings yield — Huntington's deposit rates are not category-leading
Huntington is the strongest regional bank for Midwest consumers who want branch access paired with the most forgiving overdraft policies available at any bank of comparable size. The $50 Safety Zone and 24-Hour Grace combination is genuinely differentiated and has been consumers' primary reason to choose Huntington over Fifth Third, KeyBank, or PNC in its markets. For consumers outside the Midwest, or those who primarily bank digitally and for whom branch access is not relevant, Huntington's advantages do not translate — and its J.D. Power scores suggest the overall experience outside the overdraft feature is not above average.
JumpSteps ratings are designed to save you time. They combine our editorial analysis with consensus ratings from leading consumer finance publications, verified product details like account types and fees, and independent institutional trust signals such as regulatory memberships and third-party ratings.
See how JumpSteps ratings are calculated →
This rating reflects publicly available information as of 2026-04-10. Submit additional context to be considered in our assessment →
Are you a Huntington National Bank representative?
This page reaches consumers actively researching financial decisions. Partner Verified brands keep their data current and earn the verified badge on this page.