Huntington Bank Review
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Huntington National Bank Review 2026
A complete, unbiased guide to Huntington National Bank's financial products and services.
7.8★★★★☆Very Good · out of 10
FDIC InsuredJ.D. Power 648BBB A
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What is Huntington National Bank?
WHAT IS HUNTINGTON NATIONAL BANK?
Huntington National Bank is a financial institution reviewed by JumpSteps for its commercial banking products and customer banking experience. The company was founded in 1866 and headquartered in Columbus, OH. Huntington National Bank is FDIC insured for eligible deposit accounts.
JumpSteps reviews Huntington National Bank using publicly available information, product disclosures, and comparative editorial analysis.
Fast Facts
| 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 |
| Current Promotions | Awaiting input from Huntington National Bank Partner with us to feature promotions → |
| Industries / Products | Commercial Banking · Business Banking |
| Data Last Verified | March 9, 2026 |
Fields marked "Awaiting input" contain data that changes frequently. Brand representatives can submit current data here →
Products & Services
INDUSTRYCommercial Banking
Editorial Overview
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.
Account Types
- Asterisk-Free Checking
- Perks Checking
- Platinum Perks Checking
- Savings and money market accounts
- Certificates of Deposit
Fee Waiver Conditions
- Asterisk-Free Checking has no monthly maintenance fee
- Perks and Platinum Perks require qualifying balances or relationship criteria
Overdraft Policy
- $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
ATM Network
Large in-footprint Huntington ATM network
Branch Count
Large regional branch footprint across the Midwest
Minimum to Open
$0 to $25 depending on account
Loyalty Program
Value is driven by account tiers and overdraft relief rather than a broad rewards ecosystem
FDIC Coverage
$250,000 per depositor per ownership category
Digital Features
- Huntington mobile app
- Zelle
- Mobile deposit
- Email and text alerts
- Bill pay
- Spend analysis tools
Fees vs Peers
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.
Digital Experience vs Peers
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.
Loyalty Program vs Peers
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.
Accessibility vs Peers
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.
The JumpSteps Match Score helps identify financial products that fit your financial profile.
Get Your Banking Account Match Score Now →INDUSTRYBusiness Banking
Editorial Overview
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.
Account Types
- Business Checking 100
- Unlimited Business Checking
- Unlimited Plus Business Checking
Entity Types Served
- Sole proprietorship
- LLC
- Partnership
- Corporation
Min. Revenue Requirement
No explicit public minimum revenue requirement on core business checking
SBA Loans
Business lending and SBA lending available
Payment Processing
- Business debit cards
- Merchant services
- ACH and payment tools
Treasury Services
Treasury management available for larger businesses
Cash Management Tools
- Online and mobile banking
- Alerts
- Cash-flow tools
vs Fintechs
Compared with fintech business accounts, Huntington provides stronger branch support and lending adjacency, though fintechs may still offer faster onboarding and deeper integrations.
The JumpSteps Match Score helps identify financial products that fit your financial profile.
Get Your Business Banking Match Score Now →Frequently Asked Questions
Yes. Huntington National Bank is a member of the Federal Deposit Insurance Corporation (FDIC). All consumer deposit accounts are insured up to $250,000 per depositor, per ownership category. Joint accounts are insured up to $500,000.
Huntington National Bank is subject to federal financial regulation. FDIC-insured. It holds a A BBB rating and a J.D. Power score of 648. As with all financial institutions, review the terms of your specific accounts and products.
Huntington National Bank offers commercial banking services including Asterisk-Free Checking|Perks Checking|Platinum Perks Checking|Savings and money market accounts|Certificates of Deposit.
Huntington National Bank's loyalty program: Value is driven by account tiers and overdraft relief rather than a broad rewards ecosystem.
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.
Who Huntington National Bank Is Best For
✓ 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
The JumpSteps Rating
7.8
out of 10
★★★★☆
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.
How JumpSteps Ratings Work
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.
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This rating reflects publicly available information as of 2026-03-17. Brands can become a JumpSteps Partner to verify and update information →
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