Huntington Asterisk Free Checking Review
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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.
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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 CashSM
- 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
Huntington Bank has two free checking accounts:
- Asterisk-Free Checking with no minimum balance and no monthly maintenance fees
- Business Checking 100 with no monthly maintenance fees and up to 100 monthly deposits
Other Huntington checking accounts have monthly maintenance fees ranging from $25 - $40.
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.
Free checking means a checking account without any monthly maintenance fees. Depending on the account, these fees range from $5 - $40 per month. Free checking accounts can save you at least $60 per year.
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.
Other Bank Offers You Might Like
Chase Total Checking® - $300 Bonus
- 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*
Bank of America Advantage Banking - $300 Bonus Offer
- 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.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
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.
Chase Total Checking® - $300 Bonus
- 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*
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
Personal Checking Account - $300 Bonus
Open an eligible Fifth Third checking account. Make direct deposits totaling $2,000 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Bank of America Advantage Banking - $300 Bonus Offer
- 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.
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by December 13, 2024.
- Make the minimum opening deposit of $10, plus one eligible direct deposit of at least $1,000 within the first 60 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Amber Kong is a content specialist at CreditDonkey, a bank comparison and reviews website. Write to Amber Kong at amber.kong@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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