Huntington Bank operates as one of the largest regional financial institutions in the United States, headquartered in Columbus, Ohio, with 1,000+ branches across 11 Midwest and Southern states including Ohio, Indiana, Illinois, Michigan, Pennsylvania, Kentucky, Wisconsin, Minnesota, Missouri, Florida, and West Virginia, serving millions of customers through convenient digital banking, robust personal and business products, and personal relationships with dedicated banking professionals. Founded with over 150 years of banking heritage, Huntington Bank has evolved into a modern financial powerhouse combining traditional community banking values with cutting-edge digital innovation including Zelle person-to-person payments, Early Pay (receive paychecks up to 2 days early), Money Scout automated savings, and Huntington Heads Up real-time alerts—all accessible through their highly-rated 4.8-star mobile app and user-friendly online banking platform. Whether you’re searching for Huntington Bank login instructions, trying to locate a branch “Huntington Bank near me,” wondering what time Huntington Bank opens and closes, exploring Zelle availability for fast money transfers, evaluating checking and savings accounts, understanding Huntington’s standout features like Early Pay and overdraft grace periods, or comparing Huntington Bank with competitors, this comprehensive 2025 guide covers everything you need to know about banking with Huntington Bank—from digital access to customer service, hours of operation, and product offerings.
What You’ll Discover: This authoritative guide explains Huntington Bank from every angle — the bank’s 150+ year history and evolution into a leading Midwest financial institution, complete network of 1,000+ branches across 11 states with specific hours (typically 9 AM – 5 PM weekdays, 9 AM – 12 PM Saturday, closed Sunday) and holiday closures, step-by-step Huntington Bank login guide for online banking at huntington.com and mobile app with biometric security (Touch ID, Face ID, fingerprint), Zelle integration allowing fast person-to-person payments through the mobile app (“Send Money with Zelle®” feature with typical minute-level transfers), comprehensive checking account options (Asterisk-Free Checking free account, Perks Checking with Early Pay and 5 ATM reimbursements, Platinum Perks Checking), standout features including Early Pay (2-day early direct deposit at no cost), Money Scout automated savings tool analyzing spending to find $5-50 transfers, 24-hour overdraft grace period with $50 Safety Zone (no overdraft fees if overdrawn by $50 or less), Huntington Heads Up real-time account alerts, savings accounts earning 0.01% APY, business checking and commercial services, personal and auto loans, mortgage products, 24/7 online banking and mobile app access (4.8-star rating), FDIC insurance protection, customer service at 1-800-480-2265, competitive analysis with Chase, U.S. Bank, PNC, Wells Fargo, and Truist, detailed pros and cons, and frequently asked questions addressing hours of operation, Zelle availability, and login instructions. Whether you’re a current Huntington customer seeking help, someone evaluating regional banks, or exploring digital banking features like Zelle, this guide provides authoritative information about banking with Huntington Bank.
What Is Huntington Bank? (History, Overview & Banking Foundation)
Huntington Bank is a leading regional financial institution headquartered in Columbus, Ohio, operating 1,000+ branches across 11 Midwest and Southern states, serving millions of customers with personal checking and savings, business banking, mortgages, loans, and digital banking services backed by 150+ years of banking heritage.
Founding & Evolution
Huntington Bank’s story reflects over 150 years of continuous banking service and strategic growth:
- Founded: 1866 (over 150 years of banking heritage)
- Growth: Strategic acquisitions and expansions throughout the 20th and 21st centuries
- Geographic Expansion: Built presence across Midwest and Southern United States through organic growth and bank mergers
- Digital Innovation: Evolved from traditional community banking to modern digital banking platform with 4.8-star mobile app
- Recent Acquisitions: Including TCF Bank (Minneapolis) expanded Huntington’s presence significantly
Current Financial Profile (2025)
| Metric | Details |
|---|---|
| Headquarters | Columbus, Ohio |
| Total Assets | $180+ billion |
| Total Branches | 1,000+ banking locations |
| States Served | 11 states (OH, IN, IL, MI, PA, KY, WI, MN, MO, FL, WV) |
| Employees | 17,000+ banking professionals |
| FDIC Insurance | Member FDIC (deposits protected up to $250,000) |
| Mobile App Rating | 4.8 out of 5 stars |
| Stock Trading | NASDAQ: HBAN (publicly traded) |
Community Banking Values + Digital Innovation
Huntington combines traditional community banking with modern technology:
- Personal Relationships: Banking professionals dedicated to customer success
- Local Decision-Making: Branch managers empowered to make lending decisions
- Digital Leadership: 4.8-star mobile app with Zelle, Early Pay, Money Scout
- Innovation Focus: Continuously launching new features (Heads Up alerts, Standby Cash, Look Ahead Calendar)
- Financial Inclusion: Products designed for diverse customer needs
Huntington Bank Locations — Find a Branch Near You (“Huntington Bank Near Me”)
Huntington operates 1,000+ branch locations strategically distributed across 11 states, enabling millions of customers to access banking services nearby.
Geographic Coverage & Service Areas
Huntington serves communities across:
Core Midwest States:
- Ohio: Columbus, Cleveland, Cincinnati, Akron, Toledo, Dayton headquarters region
- Indiana: Indianapolis, Fort Wayne, Evansville
- Illinois: Chicago metro area
- Michigan: Detroit, Grand Rapids, Lansing
- Pennsylvania: Pittsburgh, Philadelphia areas
- Wisconsin: Milwaukee, Madison
- Minnesota: Twin Cities metropolitan area
Additional States:
- Kentucky: Louisville, Lexington
- Missouri: Kansas City, St. Louis
- Florida: Growing presence in northern Florida
- West Virginia: Wheeling area
Finding Your Nearest Huntington Branch
Use the Branch Locator Tool
Visit huntington.com/branchlocator to find:
- Nearest branch to your address
- Exact street address and phone number
- Specific hours for that location
- Services available (full banking, ATM-only, etc.)
- Driving directions
- GPS mapping
Key Features of Branch Locator:
- Search by ZIP code or address
- View on interactive map
- See real-time hours (including weekend variations)
- Check available services at specific locations
- Find 24-hour ATMs nearby
ATM Network Access
Huntington’s ATM network provides:
- Network ATMs: 1,000+ Huntington ATMs at branch locations
- Surcharge Waivers: Up to 5 per month (varies by checking account type)
- 24/7 Availability: ATMs open when branches close
- Allpoint Network: Additional surcharge-free ATM access through partnerships
Huntington ATM Card Features:
- Withdraw cash anytime
- Check balance 24/7
- Quick Balance feature (no login required)
- Multi-language support
Huntington Bank Login — Online & Mobile Banking Guide
Huntington provides comprehensive digital banking through secure online portal and award-winning 4.8-star mobile app.
How to Log Into Huntington Online Banking
Step-by-Step Login Instructions
Step 1: Visit Huntington Website
Go to huntington.com and click “Log In” or navigate to online banking portal.
Step 2: Select Account Type
Choose between:
- Personal Online Banking (for individuals)
- Commercial Online Banking (for businesses)
- Mobile App Login (for smartphone access)
Step 3: Enter Credentials
- Online ID/Username: Your unique online banking username
- Password: Your secure password established during enrollment
Step 4: Multi-Factor Authentication
Complete security verification if prompted:
- Answer security questions
- Receive and enter verification code via text or email
- Biometric verification (if enabled)
Step 5: Access Dashboard
Once authenticated, view:
- All account balances
- Recent transactions
- Pending checks and transfers
- Bill pay setup
- Alerts and notifications
First-Time Online Banking Enrollment
If new to Huntington online banking:
- Click “Enroll Now” or “New Users”
- Provide personal information and account details
- Create username and secure password
- Verify email address
- Set up multi-factor authentication (text/email)
- Complete enrollment
- Log in successfully
Huntington Mobile Banking App — 4.8-Star Experience
App Details & Ratings
- Name: Huntington Mobile Banking
- Rating: 4.8 out of 5 stars (iOS and Android combined)
- Download: Available on Apple App Store and Google Play Store
- Availability: iOS 15.5+ and Android compatible devices
Key Mobile Features
Account Management:
- Check account balances instantly (Quick Balance without full login)
- View real-time transactions
- Search transaction history
- Access account statements
- Activate debit/credit cards
- Manage account alerts
Money Movement:
- Transfer between Huntington accounts
- Pay bills (recurring or one-time)
- Send money with Zelle (detailed next section)
- Mobile check deposit
- Set future payment dates
- Receive payment receipts
Savings & Budgeting Tools:
- Savings Goal Getter™: Set and track savings goals
- Spend Analysis: See spending by category (groceries, entertainment, etc.)
- Spend Setter™: Set monthly budget limits
- Look Ahead Calendar™: View upcoming transactions and payment patterns
- Money Scout: Automatic savings tool moves $5-50 to savings
Card Management:
- Activate debit and credit cards
- Lock/unlock cards instantly
- Change PIN through app
- Order replacement cards
- Manage card limits
Real-Time Alerts:
- Huntington Heads Up®: Real-time account notifications
- Custom Alerts: Balance alerts, large transaction alerts
- Fraud Alerts: Suspicious activity notifications
- Payment Reminders: Upcoming bill notifications
Branch & ATM Services:
- Locate nearest branch or ATM
- View branch hours
- Call branch directly from app
- Get directions via GPS
Security Features
Biometric Login Options:
- Apple: Touch ID or Face ID support
- Android: Fingerprint Login support
- Benefits: Fast, easy, and secure access without entering password
- Encryption: All transactions encrypted end-to-end
Additional Security Protections:
- Session timeout after inactivity (auto-logout)
- Multi-factor authentication available
- Fraud detection systems
- The Huntington Personal Online Guarantee protects unauthorized transactions
Troubleshooting Huntington Login Problems
| Problem | Solution |
|---|---|
| Forgot Online ID/Username | Click “Forgot Online ID” on login page; verify identity through security questions or email; receive username via email |
| Forgot Password | Click “Forgot Password”; verify identity; create new password meeting security requirements; log in with new password |
| Account Locked (Too Many Failed Attempts) | Account temporarily locked for security; wait or contact customer service at 1-800-480-2265 to unlock immediately |
| Multi-Factor Code Not Received | Check spam/junk folder; request new code; verify phone/email on file is correct; contact support if issues persist |
| Can’t Enroll in Online Banking | Visit branch with ID; call 1-800-480-2265; ensure you have active Huntington account |
| App Won’t Load | Update to latest app version; restart phone; check internet connection; clear app cache; reinstall if necessary |
| Browser Compatibility Issues | Clear cookies/cache; try different browser; ensure JavaScript enabled; update browser to latest version |
| Can’t Link Bank Accounts | Ensure non-Huntington account is active; verify routing/account numbers; wait 1-2 business days for linking to complete |
Customer Service:
Call 1-800-480-2265 (available 24/7 for automated assistance; live representatives weekday business hours)
Banking Products & Services Overview
Personal Checking Accounts
Asterisk-Free Checking® (Free Account)
The no-frills free checking option:
| Feature | Details |
|---|---|
| Monthly Fee | $0 (completely free) |
| Minimum Deposit | $0 (no minimum required) |
| Debit Card | Free Visa® debit card included |
| Check Writing | Unlimited checks |
| Online Banking | 24/7 access included |
| Mobile App | 4.8-star app included |
| Overdraft Grace | 24-hour grace period; $50 Safety Zone |
| ATM Surcharges | $3.50 per out-of-network transaction |
Huntington Perks Checking®
Interest-bearing checking with premium features:
| Feature | Details |
|---|---|
| Monthly Fee | $10 (waived at $1,000+ monthly deposits or $5,000+ relationship balance) |
| APY | Interest earned (varies based on Fed rates) |
| Early Pay | Receive direct deposit up to 2 days early (no fee) |
| ATM Surcharge Waiver | Up to 5 monthly reimbursements for out-of-network ATMs |
| Credit Score Monitoring | Free access to credit score |
| Overdraft Grace | 24-hour grace period; $50 Safety Zone |
Huntington Platinum Perks Checking®
Premium checking for high-balance customers:
| Feature | Details |
|---|---|
| Monthly Fee | $25 (waived at $25,000+ relationship balance) |
| APY | Interest earned on account balance |
| Early Pay | 2-day early direct deposit |
| ATM Surcharge Waiver | Unlimited reimbursements for out-of-network ATMs |
| Credit Score Monitoring | Free credit score access |
| Standby Cash® | Access $100-$750 credit line (5% fee, no interest with automatic payments) |
Huntington’s Standout Features
Early Pay® — Get Paid Up to 2 Days Early
Huntington’s most popular feature:
- Receive paycheck/direct deposits up to 2 days earlier than traditional banks
- Completely free (no fees)
- Automatic with any Huntington checking account
- Can opt out anytime by contacting branch or 1-800-480-2265
- Over 50% of direct deposits qualify
Example: If your paycheck normally posts on Friday, Early Pay credits it to your account as early as Wednesday.
Money Scout® — Automated Savings
AI-powered savings analysis:
- Analyzes your spending habits and income patterns
- Identifies unused funds ($5-$50 per transfer)
- Automatically transfers to your savings account
- Sends alerts before each transfer
- Can cancel or modify transfers before midnight
- No fee to enroll (included with checking)
- Available with Premier Savings and Relationship Savings accounts
Example: Money Scout might find $25 extra this week and automatically move it to savings—you’ll be notified.
Huntington Heads Up® — Real-Time Account Alerts
Stay informed with instant notifications:
- Receive text, email, or push notifications
- Alert triggers: account access, large transactions, balance low, payment pending
- Set custom alert thresholds
- Manage alerts through app or online banking
$50 Safety Zone — Overdraft Grace Period
Protection against accidental overdrafts:
- No overdraft fees if overdrawn by $50 or less
- 24-hour grace period to cover overdraft before fees apply
- Automatic protection (no enrollment needed)
- Overdraft protection available (links to savings account)
Personal Savings & Money Market Accounts
Premier Savings Account
| Feature | Details |
|---|---|
| Monthly Fee | $4 (waived with qualifying checking account or $300 balance) |
| APY | 0.01% (low, below national average) |
| Minimum Deposit | $50 |
| Interest Compounding | Daily compounding, monthly crediting |
| Withdrawal Limits | 6 free transactions/month; $2 excess transaction fee |
Relationship Savings Account
| Feature | Details |
|---|---|
| Monthly Fee | $10 (waived with qualifying checking account or $2,500 balance) |
| APY | Competitive rate (varies with Fed rates) |
| Minimum Deposit | $100 |
| Interest Compounding | Daily compounding |
| Money Scout Support | Available for automated savings |
Money Market Account (MMA)
| Feature | Details |
|---|---|
| Minimum Opening | $25,000 |
| Monthly Fee | Varies |
| APY | Tiered rates based on balance |
| Check Writing | Limited checks allowed |
| Withdrawal Limits | 6 per month before fees apply |
Does Huntington Bank Have Zelle? (Complete FAQ Answer)
Yes, Huntington Bank fully integrates Zelle® for fast person-to-person money transfers directly through online banking and the mobile app.
How Zelle Works at Huntington Bank
What Is Zelle?
Zelle is a peer-to-peer payment network enabling bank customers to send and receive money directly between accounts, typically within minutes.
Huntington Zelle Features:
✅ Built into Mobile App: Access directly from “Payments” tab
✅ No Separate App: Use through Huntington app and online banking
✅ Email/Phone Number: Send to trusted contacts using their email or U.S. mobile number
✅ Instant Transfers: Money typically arrives within minutes
✅ Free for Personal Use: No fees for individual customers
✅ Business Support: Small business accounts pay $0.50 per transaction
✅ Safe & Secure: Direct bank-to-bank transfer without sharing account numbers
How to Enroll in Zelle at Huntington
Step-by-Step Enrollment
- Download/Open Huntington Mobile App
- If not already installed, get it from Apple App Store or Google Play
- Log in with online banking credentials
- Navigate to Payments Tab
- At bottom of app, tap “Payments”
- Select “Send Money with Zelle®”
- Look for Zelle option in payments menu
- Choose Enrollment Method
- Select your email address OR U.S. mobile phone number (or both)
- Must be phone number/email on file with Huntington
- Verify Your Information
- Receive one-time verification code via text or email
- Enter verification code to confirm
- Accept Terms & Conditions
- Review Zelle terms
- Accept to complete enrollment
- Enrollment Complete
- You can now send and receive money with Zelle
- Start immediately sending to trusted contacts
How to Send Money with Zelle
Sending Step-by-Step
- Log into Huntington Mobile App
- Tap “Payments” tab at bottom
- Select “Send” (not “Request”)
- Choose recipient from contacts OR enter:
- Recipient’s email address, OR
- Recipient’s U.S. mobile phone number
- Enter recipient’s full name
- Enter dollar amount to send
- Add optional memo/note
- Review carefully — you cannot reverse sent money
- Tap “Send”
- Money arrives in recipient’s account within minutes (usually)
Important: Zelle transfers cannot be reversed, so verify recipient information before sending.
How to Request Money with Zelle
Request Money Process
- Open Huntington Mobile App
- Go to “Payments” tab
- Select “Request” (instead of “Send”)
- Choose recipient from contacts or enter their email/phone
- Enter request amount
- Add optional note
- Submit request
- Recipient receives notification to pay you
Zelle Safety & Important Considerations
Security Best Practices:
✅ Only send to people you know and trust
✅ Verify correct email address or phone number before sending
✅ Do NOT use Zelle for purchases from strangers or merchants
✅ Remember: Transfers are typically fast and cannot be reversed
✅ Keep email/phone secure
What Zelle Does NOT Offer:
❌ Buyer protection (no return if goods don’t arrive)
❌ Merchant protection (can’t dispute if service not rendered)
❌ Ability to reverse sent money
❌ Recourse if scammed or sent to wrong person
Zelle is designed for trusted personal payments, not merchant transactions.
Zelle Limits at Huntington
Typical Zelle transfer limits (may vary):
- Daily Sending Limit: $2,000-$5,000
- Monthly Sending Limit: $10,000-$20,000
- Request Limits: May be higher than sending limits
- Business Account Charges: $0.50 per transaction for small business customers
Contact Huntington at 1-800-480-2265 to request limit increases.
Huntington Bank Customer Service Guide
Huntington provides 24/7 support through multiple channels to serve millions of customers.
Contact Huntington Bank
Primary Phone Number (24/7)
1-800-480-2265
- Automated assistance available 24/7
- Live representatives available weekday business hours
- Menu options for different services (checking, loans, credit cards, etc.)
Online Contact Options
- Website Chat: Live chat on huntington.com (business hours)
- Mobile App: In-app messaging and chat support
- Email: Via secure message through online banking
- Social Media: Huntington responds on Facebook/Twitter during business hours
Mailing Address
The Huntington National Bank
P.O. Box 1558
Columbus, OH 43216
Best Times to Reach Customer Service
For Faster Response:
✅ Weekday mid-morning (10 AM – 2 PM ET): Shortest wait times
✅ Tuesday-Thursday: Generally less busy than Monday/Friday
✅ Early morning (6 AM – 9 AM ET): Often quick response
❌ Monday afternoon: Highest call volume
❌ Friday evening: High volume, longer waits
What Huntington Customer Service Can Help With
Account Services:
- Unlock locked accounts
- Reset passwords/Online IDs
- Add authorized users
- Change account settings
Card Services:
- Report lost/stolen debit or credit cards
- Change PIN
- Activate new cards
- Review fraud/unauthorized transactions
Transaction Issues:
- Investigate missing deposits
- Clarify pending transactions
- Review payment status
- Dispute transactions (if applicable)
Loan & Credit Services:
- Discuss loan options
- Payments and payoff information
- Modification requests
- Rate inquiries
Technical Support:
- App or website issues
- Login problems
- Device compatibility questions
- Feature questions
Huntington Bank Hours — When Is Huntington Bank Open? (FAQ Answers)
What Time Does Huntington Bank Open?
Typical Opening Times:
- Weekdays (Monday-Friday): 9:00 AM local time
- Saturday: 9:00 AM local time (varies by location)
- Sunday: Closed (all branches)
Important Note: Hours vary significantly by branch location. Some branches in grocery stores or retail locations may open earlier (7 AM) or later (10 AM).
Check Your Specific Branch: Use the branch locator at huntington.com/branchlocator to confirm exact opening time for your local branch.
What Time Does Huntington Bank Close?
Typical Closing Times:
- Weekdays (Monday-Friday): 5:00 PM local time
- Saturday: 12:00 PM (noon) or 1:00 PM local time
- Sunday: Closed
Extended Hours: Some branches in major metropolitan areas (Columbus, Cleveland, Indianapolis) may have extended hours until 6 PM or 7 PM on weekdays.
Lobby vs. Drive-Thru Hours: Drive-thru windows often close 30 minutes before lobby closing time.
Is Huntington Bank Open Today?
Quick Check Methods:
- Branch Locator: Visit huntington.com/branchlocator, enter your location, see real-time hours
- Mobile App: Open app, tap “Locations” tab, find branch, view hours
- Call Branch: Contact your local branch directly
- 24/7 Banking: Even if closed, online banking, mobile app, and ATMs available 24/7
Holiday Schedule (2025):
Huntington Bank branches are closed on all federal holidays:
| Holiday | Date | Branch Status |
|---|---|---|
| New Year’s Day | Wednesday, Jan 1 | Closed |
| MLK Jr. Day | Monday, Jan 20 | Closed |
| Presidents Day | Monday, Feb 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept 1 | Closed |
| Columbus Day | Monday, Oct 13 | Closed |
| Veterans Day | Tuesday, Nov 11 | Closed |
| Thanksgiving | Thursday, Nov 27 | Closed |
| Christmas | Thursday, Dec 25 | Closed |
On holidays, branches close but:
✅ ATMs available 24/7
✅ Online banking accessible
✅ Mobile app fully functional
✅ Automated phone service available
✅ Scheduled transfers/payments process automatically
Drive-Thru vs. Lobby Hours
Important Distinction:
- Lobby Hours: Stated on branch locator (e.g., 9 AM – 5 PM)
- Drive-Thru Hours: Often CLOSE 30 minutes before lobby (e.g., 4:30 PM if lobby closes 5 PM)
- Weekend Drive-Thru: May close before or at noon on Saturday
Confirmation: Call your specific branch to confirm drive-thru closing time, as it varies.
Huntington Bank Reviews — Customer Insights & Experiences
Overall Customer Ratings
| Rating Source | Score | Sample Size |
|---|---|---|
| Better Business Bureau | A+ | Verified reviews |
| Trustpilot | 2-3 stars | 169+ verified reviews |
| Yelp | 2 stars | 690+ reviews |
| Indeed Employee Reviews | 3.8 out of 5 | Customer service focus |
| Mobile App Rating | 4.8 out of 5 | 245,000+ ratings combined |
Note: Customer reviews show stark contrast between mobile app (4.8 stars) and overall customer service experiences (2-3 stars average), suggesting strong digital product with mixed in-person/support experiences.
What Customers Praise
✅ Mobile App & Digital Banking
- “Easy to use app”
- “4.8-star rating reflects quality digital experience”
- “Mobile check deposit works reliably”
- “Zelle integration seamless and fast”
✅ Early Pay Feature
- “Love getting paid 2 days early”
- “Helps when you need money fast”
- “Convenient and truly works”
✅ Branch Availability
- “1,000+ branches makes it convenient”
- “Staff knows me by name at my branch”
- “Local relationship banking experience”
✅ Overdraft Protection
- “$50 Safety Zone protects against overdraft fees”
- “24-hour grace period helpful”
- “Fair overdraft policy”
Common Customer Complaints
❌ Customer Service Response Times
- “Long hold times (30+ minutes common)”
- “Difficult to reach live representative”
- “Automated system frustrating”
- “Staff high call volume leads to rushed help”
❌ Low Interest Rates
- “Savings APY (0.01%) far below online banks (4.00%+)”
- “CD rates not competitive”
- “Better rates elsewhere”
❌ Account Issues & Problem Resolution
- “Payment holds and delays reported”
- “Check deposits took longer than expected”
- “Transfers between banks slow”
- “Fraud investigation processes lengthy”
❌ Fee Structure
- “Monthly fees on most accounts (though some waivable)”
- “Out-of-network ATM surcharges high ($3.50)”
- “Overdraft fees steep if over $50”
❌ Missing Features
- “Can’t get virtual debit card immediately if card lost”
- “No physical card access for 3-5 days causes frustration”
- “Limited credit card options”
Huntington Bank vs. Competitor Banks — Comparison Table
| Feature | Huntington | Chase | U.S. Bank | PNC | Wells Fargo | Truist |
|---|---|---|---|---|---|---|
| Branches | 1,000+ (11 states) | 4,700+ (nationwide) | 3,000+ (nationwide) | 2,300+ (nationwide) | 5,000+ (nationwide) | 2,700+ (10 states) |
| Free Checking | Asterisk-Free (free) | Chase Checking ($0) | U.S. Bank Checking ($0-15) | PNC Checking ($0-15) | Wells Fargo Checking ($0-10) | Truist Checking ($0-10) |
| Early Pay | Up to 2 days | Not offered | Not offered | Not offered | Not offered | Not offered |
| Savings APY | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| CD Rates | Competitive | Competitive | Competitive | Competitive | Competitive | Competitive |
| Zelle Support | Yes | Yes | Yes | Yes | Yes | Yes |
| Mobile App Rating | 4.8 stars | 4.6 stars | 4.2 stars | 4.3 stars | 4.1 stars | 4.0 stars |
| Overdraft Grace | 24 hours + $50 Zone | None | None | None | None | 24 hours |
| ATM Network | 1,000+ | 16,000+ | 5,000+ | 2,100+ | 13,000+ | 2,200+ |
| Money Scout | Yes (automated savings) | No | No | No | No | No |
| Business Banking | Strong | Excellent | Excellent | Excellent | Excellent | Good |
Huntington Differentiators:
- Strongest Early Pay feature (2-day early direct deposit)
- Money Scout automated savings tool (unique)
- 24-hour overdraft grace period with $50 Safety Zone
Pros & Cons of Banking With Huntington
Pros: Reasons to Choose Huntington Bank
✅ Early Pay — 2-Day Early Direct Deposits
Most distinctive feature; get paychecks up to 2 days early at no cost with any checking account.
✅ Free Checking with No Minimums
Asterisk-Free Checking has $0 monthly fee and no minimum deposit requirements.
✅ 4.8-Star Mobile App
Among the highest-rated banking apps, with excellent features, security, and user experience.
✅ Zelle Integration
Fast person-to-person payments built directly into app and online banking.
✅ Money Scout Automated Savings
Unique AI-powered tool finds and transfers $5-50 to savings automatically.
✅ Overdraft Grace Period
24-hour grace period and $50 Safety Zone protect against overdraft fees.
✅ 1,000+ Branch Network
Broad geographic presence across 11 states for in-person banking.
✅ FDIC Insurance
All deposits protected up to $250,000 (federally insured).
Cons: Limitations of Huntington Bank
❌ Low Savings Interest Rates
Savings APY of 0.01% far below national average (0.40%) and online banks (4.00%+).
❌ Monthly Fees on Most Accounts
Most checking accounts carry fees ($10-25), though many are waivable at minimum balances.
❌ Customer Service Wait Times
Frequent complaints about long hold times and difficulty reaching live representatives.
❌ ATM Network Limited
Only 1,000+ ATMs vs. 5,000-16,000 at national banks; $3.50 out-of-network surcharge.
❌ Out-of-Network ATM Surcharges
$3.50 per transaction (unless account includes waivers).
❌ Geographic Limitation
Only in 11 states; not suitable for multi-state customers.
❌ Smaller CD Rates
Competitive but not the highest rates available (online banks offer more).
❌ Mixed Customer Service Reviews
Despite strong app ratings, customer service reviews average only 2-3 stars.
Pros & Cons Comparison Table
| Aspect | Huntington Bank | National Average | Best Option |
|---|---|---|---|
| Checking Fees | Free to $25 | Varies $0-15 | Huntington Asterisk-Free ($0) |
| Savings APY | 0.01% | 0.40% | Online banks (4.00%+) |
| Mobile App Rating | 4.8 stars | 4.0 stars | Huntington (tied with Ally) |
| Early Pay | 2 days (unique) | None | Huntington-only feature |
| ATM Network | 1,000+ | 2,000+ | Chase/WF (13,000+) |
| Branch Count | 1,000+ (11 states) | Varies | Chase (4,700+) |
| Zelle Support | Yes | Most | Standard feature |
| Money Scout | Yes (unique) | No | Huntington-only |
| Customer Service Rating | 2-3 stars | 3.5 | Varies by bank |
Who Is Huntington Bank Best For?
Ideal Huntington Bank Customers
✅ Midwest/Mid-Atlantic Residents: Live in states where Huntington operates (11 states)
✅ Direct Deposit Recipients: Value the 2-day early pay feature
✅ Mobile Banking Users: Want a 4.8-star app experience
✅ People Seeking Free Checking: Asterisk-Free Checking has no fees/minimums
✅ Savers Using Automation: Money Scout finds and saves money automatically
✅ Zelle Users: Need fast peer-to-peer payments
✅ Overdraft Protectors: Want grace period and $50 Safety Zone
✅ Local Bankers: Value in-person relationships and community banking
Who Should Consider Alternatives
❌ Multi-state customers needing nationwide branches
❌ High-yield savers seeking 4.00%+ APY
❌ Online-only users without branch needs
❌ Outside service area (outside 11 states Huntington serves)
❌ High ATM users needing extensive networks
❌ CD rate seekers wanting top rates
❌ Customer service dependent people (better options exist)
Frequently Asked Questions — Huntington Bank
Does Huntington Bank have Zelle?
Yes, Huntington Bank fully supports Zelle® for fast person-to-person payments. Zelle is built directly into the Huntington Mobile app in the “Payments” tab. You can send and receive money to trusted contacts using their email address or U.S. mobile phone number. Transfers typically complete within minutes and are free for personal use (business accounts pay $0.50 per transaction).
Does Huntington Bank use Zelle?
Yes, Huntington Bank uses and supports Zelle® as its person-to-person payment solution. Zelle is integrated into both the mobile app and online banking, accessible directly from the Payments menu. You can enroll in Zelle by selecting your email or phone number, and then send/receive money instantly to other Zelle-enrolled users.
What time does Huntington Bank open?
Most Huntington Bank branches open at 9:00 AM local time on weekdays and Saturday. However, hours vary by location—some branches may open earlier (7 AM) or later (10 AM) depending on their location. Use the branch locator at huntington.com/branchlocator to check your specific branch’s opening time.
What time does Huntington Bank close?
Most Huntington Bank branches close at 5:00 PM local time on weekdays and 12:00 PM (noon) or 1:00 PM on Saturday. Drive-thru windows typically close 30 minutes before lobby closing. Hours vary by location, so check huntington.com/branchlocator for your specific branch’s closing time.
Is Huntington Bank open today?
To check if your local Huntington branch is open today, visit huntington.com/branchlocator, enter your location, and view real-time hours. You can also call your branch directly or use the mobile app to check. On federal holidays, branches close but ATMs, online banking, and mobile app remain available 24/7.
Conclusion — Is Huntington Bank a Good Choice in 2025?
Huntington Bank represents a solid banking choice for Midwest and Mid-Atlantic residents who value the distinctive Early Pay feature, excellent mobile app experience, free checking options, and local branch relationships—though customers seeking highest savings rates or extensive nationwide presence should explore alternatives.
Key Strengths:
✅ Early Pay (2-Day Early Direct Deposits): Unique feature paying you faster
✅ 4.8-Star Mobile App: Among highest-rated banking apps available
✅ Free Checking: Asterisk-Free Checking with zero fees/minimums
✅ Zelle Integration: Fast person-to-person payments
✅ Money Scout: Automated savings tool finds and transfers $5-50
✅ 1,000+ Branches: Convenient in-person banking across 11 states
✅ $50 Safety Zone + 24-Hour Grace: Overdraft protection
✅ FDIC Insurance: Full federal protection up to $250,000
Key Limitations:
❌ Low Savings Rates: 0.01% APY vs. 4.00%+ at online banks
❌ Customer Service: 2-3 star ratings vs. 4.8-star app
❌ Geographic Limits: Only 11 states (not nationwide)
❌ ATM Surcharges: $3.50 per out-of-network transaction
❌ Monthly Fees: Most accounts have fees (though many waivable)
❌ Limited ATM Network: 1,000+ vs. 5,000+ at competitors
Who Should Choose Huntington Bank
✅ Midwest/Mid-Atlantic residents within service area
✅ Direct deposit recipients wanting 2-day early pay
✅ Mobile banking users seeking 4.8-star app
✅ Free checking seekers
✅ Zelle users
✅ People valuing local branch relationships
Who Should Consider Alternatives
❌ Multi-state or nationwide customers
❌ High-yield savers (seek 4.00%+ online banks)
❌ Online-only banking preference
❌ Digital-first users outside service area
❌ CD rate maximizers
❌ Heavy ATM users
2025 Recommendation
Huntington Bank offers excellent digital banking with its 4.8-star app, distinctive Early Pay feature, free checking, and convenient branch network across 11 Midwest states. The bank combines modern digital innovation with relationship banking values.
However, supplement your Huntington checking account with an online high-yield savings account (Ally, Marcus, SoFi) earning 4.00%+ APY for emergency funds and long-term savings. This hybrid approach maximizes your returns while maintaining Huntington’s personalized service and convenient Early Pay feature for checking needs.
Ready to Bank With Huntington Bank?
Visit www.huntington.com to find your nearest branch (use the branch locator), open a free account, or download the 4.8-star Huntington Mobile App from Apple App Store or Google Play. Call (800) 480-2265 for customer service, account setup, or branch information.
For comprehensive financial security, calculate your emergency savings target with our free Emergency Fund Calculator, then establish your hybrid banking strategy combining Huntington’s checking account with a high-yield online savings account for both safety and returns.