Updated February 1, 2022

Huntington Perks Checking Review

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Earn $200 for opening a Huntington Perks Checking℠ account with qualifying requirements. Find out how to take advantage of the cash bonus promotion below.

With the Huntington Perks Checking Account, you can enjoy 5 non-Huntington ATM withdrawals per month and credit score monitoring at no added cost. Not to mention other rewarding benefits.

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

What is the Huntington Perks Checking Account?

Huntington Perks Checking earns interest on deposits plus other nice perks.

Main features

  • Five fee-free, non-Huntington ATM withdrawals per statement [1]
  • Credit score monitoring at no added cost [2]
  • No overdraft fee $50 Safety Zone℠ and 24-Hour Grace®
  • Extra money when you need it with Standby Cash℠
  • Get paid up to two days early with Early Pay

Huntington Perks Checking Bonus

Follow the steps below to earn the $200 cash bonus:

  • Open a Huntington Perks Checking account online or with a local branch.
  • Make cumulative new money deposits of at least $1,000 within 60 days of account opening and keep your account open for a minimum of 90 days
  • After meeting the deposit requirement, your $200 bonus will be deposited into your new checking account within 14 days.
  • Your checking account must remain in open status to receive the bonus.

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.

How to check your Huntington balance?
To check your balance, visit huntington.com and log into your account. Your account number, account history (purchases, deposits and pending transactions), and balance will appear on the screen.

Does Huntington Perks Charge a Monthly Fee?

The Huntington Perks Checking account has a few fees to be aware of. See below:

Fees to watch out for

  • Monthly service fee - $10 a month (or $0 if you have $5,000 in total relationship balances)
  • Out-of-network ATM fees - $3
  • Overdraft fee - $23 - $37.50

Does Huntington Perks Have a Minimum Balance?

There is no minimum balance to open a Huntington Perks account. But you will need to maintain a combined minimum balance of $5,000 across your Huntington accounts to waive the $10 monthly service fee.

How do Huntington relationship savings work?
You get certain perks such as a higher savings interest rate or monthly maintenance fees waived if you have a certain combined minimum balance across your Huntington accounts. That balance differs depending on the Huntington bank account you have.

Compare Huntington Checking

Right now, you can earn a $300 cash bonus for opening a Huntington Platinum Perks Checking℠ account with qualifying requirements. No direct deposit or minimum opening deposit required.

This interest yielding checking account also comes with relationship benefits (more in a sec).

Main features

  • Earn 0.03% APY interest on your account balance
  • Credit score and identity monitoring at no added cost
  • Unlimited free non-Huntington ATM withdrawals
  • Free checks
  • 24-hour grace period for overdraft fees

Fees to watch out for

  • Monthly service fee - $25 a month (or $0 if you have $25,000 in total relationship balances)
  • Overdraft fee - $23 - $37.50
  • Negative account balance fee - $25 every 5 days

Huntington Savings Accounts

Huntington Bank offers a few savings and money market accounts. You can set up scheduled transfers from your checking account to help you reach your savings goals. You earn a modest APY that's similar to most traditional brick-and-mortar banks.

If you want a high-yield savings account that packs more of a punch, check out these options.

That said, check out the regional bank's savings products:

  • Huntington Relationship Money Market Account - You can earn interest on all balances above $25,000. You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. No monthly maintenance fee.

  • Huntington Relationship Savings - You get a higher APY if you also have a Huntington Perks or Huntington Platinum Perks Checking account. There's free checking overdraft protection and no monthly maintenance fee.

  • Huntington Premier Savings - The FDIC-insured account has free checking overdraft protection and no monthly maintenance fee.

Alternatives to Huntington Perks You Might Like

What Are the 4 Main Types of Checking Accounts?

These are the most popular and common types of checking accounts at banks and credit unions:

  • Traditional checking account - You normally get checks, a debit or ATM card and online banking. You usually need to maintain a certain balance to waive the monthly maintenance fee.

  • Interest-bearing checking - To earn a high APY, you need to fulfill requirements like direct deposit or a minimum number of debit card transactions.

  • Student checking account - Geared toward students age 18 - 23. You usually don't have maintenance fees and might enjoy other perks like overdraft forgiveness.

  • Business checking - These accounts help separate personal and business expenses.

Bottom Line

Huntington Perks Checking gets you 5 fee-free non-Huntington ATM withdrawals per statement and interest on your balance.

And that $200 cash bonus is a nice way to choose your Huntington Perks checking account.

You need a pretty high balance ($5,000) across your Huntington accounts to waive the monthly maintenance fee. But their generous overdraft policy is pretty attractive for customers.


  1. ^ You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
  2. ^ Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 10/16/2024
  • 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
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 9/30/2024
  • The $200 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 9/30/2024.
  • 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.
  • Bank of America, N.A. Member FDIC.
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/12/2024

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY624 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/12/2024, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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.

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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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