Huntington Asterisk Free Checking Review

Huntington Bank is offering a $0 bonus when you open a new Asterisk-Free Checking® account with qualifying requirements. Find out how to take advantage of the promotion.

Huntington's Asterisk-Free Checking has no monthly maintenance fees, no minimum balance, and a generous overdraft policy.

Read this review for the free checking account's features, fees, and requirements.

What is Asterisk-Free Checking?

Huntington Bank's Asterisk-Free Checking is free to open and includes a lenient overdraft policy.

There is no monthly maintenance fee, no minimum balance requirement, and no direct deposit requirement.

Account Features:

• Free to open and maintain
  
• No minimum balance requirement
  
• No overdraft fee if the transaction is $50 or less
  
• 24-Hour Grace® period for overdraft transactions over $50
  
• Extra money when you need it with Standby Cash^SM
  
• Money Scout® automated savings tool

Huntington Asterisk-Free Checking Fees

Huntington's Asterisk-Free Checking has no monthly maintenance fee, no overdraft fee (if the transaction is less than $50), and is free to open.

There are a few fees to watch out for, however these can be easily avoided:

• Out of network ATM fees - $3 plus any fee charged by ATM owner
  
• Each Huntington ATM extended statement - $2
  
• International transactions - 3%
  
• Checking reserve account - $12
  
• Overdraft fee (if transaction is >$50) - $37.50
  
• Return overdraft fee - $37.50
  
• Extended overdraft - $25

Who can apply online:

• Must be 18 years old or older
  
• U.S. citizen
  
• Resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia
  
• Opening either an individual or joint account

You'll need to provide a U.S. government-issued ID like a driver's license or passport, and Social Security number.

What is the Minimum Balance for a Huntington Checking Account?

There is no minimum balance requirement for the Huntington checking accounts:

• Asterisk-Free Checking®
  
• Huntington Perks Checking℠
  
• Huntington Platinum Perks Checking℠

Compare Other Huntington Bank Accounts

Huntington's three core checking products are: Asterisk-Free, Huntington Perks, and Huntington Platinum Perks. They all share Huntington's 24-hour grace period for overdrafts. Take a look at their key differences below.

• Huntington Platinum Perks checking - You can earn 0.03% APY interest on your account balance. You get credit score and identity monitoring at no added cost, unlimited free non-Huntington ATM withdrawals, and free checks.

  There is a monthly service fee of $25 per month. You can waive the fee if you have $25,000 in total relationship balances.

• Huntington Perks checking - You can earn interest on your account balance. You get your credit score and identity monitoring at no added cost and five fee-free, non-Huntington ATM withdrawals per statement.

  There is a monthly service fee of $10 per month. You can waive the fee if you have $5,000 in total relationship balances.

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Chase Total Checking® - $300 Bonus

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Expires 1/22/2025

• New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking^® account with qualifying activities
• With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
• Chase Mobile^® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
• JPMorgan Chase Bank, N.A. Member FDIC
• Open your account online now
• Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
• Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

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Bank of America Advantage Banking - $300 Bonus Offer

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Expires 1/31/2025

• The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
• The offer is for new checking customers only.
• Offer expires 01/31/2025.
• To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
• Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
• Additional terms and conditions apply. See offer page for more details.
• *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
• Bank of America, N.A. Member FDIC.

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HSBC Premier - Earn Up to $2,500

Start an HSBC Premier relationship today. You'll enjoy premium banking with both local and global benefits and access to wealth solutions offered through HSBC Securities, (USA), Inc*.

You could earn $1,500 or $2,500 if you open a new, eligible HSBC Premier checking account from July 1, 2024 through January 2, 2025, and complete qualifying activities.

• Get a $1,500 Cash Bonus: Add New Money of $100,000 to $249,999 in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
• Get a $2,500 Cash Bonus: Add New Money of $250,000+ in deposit and/or eligible investment accounts within 20 days of opening your new checking account and maintain the Qualifying Balance for 3 full consecutive months.
• Cash Bonus will be deposited into your new checking account within 8 weeks of meeting all the offer requirements.

Get Deal

Expires 1/2/2025

Bottom Line

Asterisk-Free checking is a no-frills, simple checking account. There's no monthly fee, a 24-hour grace period on overdrafts, and mobile banking available. However, the account does not pay interest, so you can't grow your balance.

If you're like most people, overdrafts are your biggest source of pesky fees. Residents of Ohio, Illinois, Indiana, Kentucky, Michigan, Pennsylvania, and West Virginia should look into this account.