Huntington Bank is a regional bank that holds $177 billion in assets across 11 states. If you live in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin, Huntington is offering up to $600 when you open a new personal checking account or up to $1,000 if you open a new business checking account.

How Can You Earn a Huntington Bank Bonus?

Huntington Bank bonuses are offered to new customers who open new accounts with new money. (New money is any money not currently on deposit with Huntington Bank.)

Generally, you need to:

  • Open a new Huntington Bank business or personal checking account.
  • Make the minimum deposit within 60 days.
  • Keep your account open for 90 days.

For personal account customers, Huntington Bank considers reinvested proceeds from maturing certificates of deposit (CDs) to be new money.

Here are the current Huntington Bank bonuses available to new customers. Details are accurate as of May 1, 2024.

Huntington Bank Promotions for 2024

While most personal checking account welcome bonuses require you to receive a minimum amount of money in direct deposits, Huntington Bank’s bonuses only require you to deposit funds into the account. For customers who don’t have a direct deposit or don’t want to switch their direct deposit to a different bank, Huntington Bank’s welcome bonuses may be particularly attractive.

Huntington Bank Checking Account Bonus

Everybody loves a good bonus. Huntington Bank currently offers several new account promotions on both its personal and business checking accounts.

Huntington Bank Personal Checking Account Bonus Offer: Earn Up To $600

Huntington Bank offers three personal checking account options with this promotion. Monthly maintenance fees range from $0 to $25 and can be waived by holding a minimum balance that varies by account.

Huntington’s Huntington Asterisk-Free Checking® is the bank’s basic checking account that has few features but doesn’t carry a monthly fee—or a bonus offer. Customers who frequently travel or don’t always have access to Huntington Bank ATMs will want to consider the Huntington Perks Checking and Huntington Perks Platinum Checking checking accounts, which offer fee waivers and reimbursements for some withdrawals at out-of-network ATMs.

  • What is the offer? Open a Huntington Perks checking account and receive a qualifying direct deposit within 90 days to earn a $400 bonus. Open a Huntington Platinum Perks checking account and deposit $25,000 or more to earn a $600 bonus. You must deposit the qualifying amount within 60 days of opening your account and keep your account open for at least 90 days.
  • When do you receive your bonus? Your new account bonus will be deposited into your account within 14 days of meeting the bonus requirements.
  • Is there a time limit on the offer? Yes. You must apply for a new account by June 7, 2024.
  • Is this offer available where you live? Applicants must reside in Huntington Bank’s 11-state service area.
  • Can you open this account in-branch? Yes. To open a Huntington checking account in a branch and receive a welcome offer, you must request a coupon from Huntington’s website. Once you receive the coupon, you can bring it to a branch to open your account and sign up for the welcome bonus.
  • Can you avoid the monthly service fee? Avoid the $10 Huntington Perks monthly maintenance fee by holding $5,000 or more across your Huntington Bank personal checking, money market, savings, certificate of deposit and individual retirement accounts. Avoid the $25 Huntington Platinum Perks monthly maintenance fee by holding a total of $25,000 across those accounts. Eligible investment accounts and life insurance products held by The Huntington Investment Company also count toward those balances.

Huntington Bank Business Checking Account Bonus: Earn Up To $1,000

Huntington Bank also offers bonuses when you sign up for a business checking account.

The Huntington Business Checking 100 account offers up to 100 monthly transactions and carries no monthly maintenance fees. Huntington Unlimited Business Checking and Huntington Unlimited Plus Business Checking offer unlimited transactions and additional services. The Huntington Unlimited Business Checking account has a $20 monthly maintenance fee, and theHuntington Unlimited Plus Business Checking account has a $40 monthly maintenance fee.

You may trigger a $20 fee if you don’t keep a Huntington business checking account open at least 180 days.

  • What is the offer? Open a Business Checking 100 account and deposit $2,000 or more to earn a $100 bonus. Open an Unlimited Business Checking account and deposit $5,000 or more to earn a $400 bonus. Open an Unlimited Plus Business Checking account and deposit $20,000 or more to earn a $1,000 bonus. You must deposit the qualifying amount within 60 days of opening your account and keep your account open for at least 90 days.
  • When do you receive your bonus? Your new account bonus will be deposited into your account within 14 days of meeting the bonus requirements.
  • Is there a time limit on the offer? Yes. You must apply for your new business checking account by September 3, 2024.
  • Is this offer available where you live? To take advantage of the offer, you must reside in Huntington Bank’s 11-state service area.
  • Can you open this account in-branch? Yes. To open a Huntington business checking account in a branch and receive a welcome offer, you must request a coupon from Huntington’s website. Huntington Bank will email you a code to use in-branch to sign up for a welcome bonus.
  • Can you avoid the monthly service fees? Avoid the $20 monthly maintenance fee on an Unlimited Business Checking account by having a balance of at least $10,000 across Huntington Bank business checking, money market, savings and certificate of deposit accounts. Avoid the $40 monthly maintenance fee on an Unlimited Plus Business Checking account by having a balance of at least $50,000 across those accounts.

What Else Should You Know About Huntington Bank Bonus Offers?

Your Bonus May Be Taxable

Bank account welcome bonuses are generally considered taxable and are reported to the IRS as interest income. For tax purposes, Huntington Bank will send you a 1099-INT for the amount of the cash bonus you receive.

Huntington Bank Bonuses Are for New Customers

Huntington Bank’s personal and business checking welcome bonuses are only available to new customers. The bank’s terms also state that customers who closed a checking account within the last six months are not eligible to receive a welcome bonus. Huntington Bank limits customers to one bonus per 12-month period, and you cannot receive multiple welcome bonuses if you have multiple businesses. Additionally, government customers and brokers are not eligible to receive welcome bonuses.

How To Open a Huntington Bank Account

Opening a Huntington Bank account is simple and can be done online or at a branch.

To open an account online, go to Huntington Bank’s website and select the “Open an Account” tab. From there, you’ll be prompted to choose the type of account you’d like to open. If you’re attempting to earn a bonus, you’ll need to apply directly from the offer page or enter your email address to receive a promotional code that you can bring into a branch location.

You’ll need to provide some personal information, such as your name, address and Social Security number as part of the application process. After you’ve completed the application, Huntington will conduct a credit check and verify your identity. If everything goes smoothly, you’ll be approved for an account and can start using it right away.

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Bottom Line

If you live in Huntington Bank’s 11-state regional footprint and can meet the “new money” deposit requirements, Huntington Bank offers an easy-to-earn welcome bonus for its business and personal checking accounts. The personal account welcome bonuses are particularly notable for their lack of direct deposit requirements.

Before signing up, consider if Huntington Bank’s ATM network will work for you, especially if you sign up for the Asterisk-Free checking, which offers no reimbursements for out-of-network ATM fees. To see what incentives other banks are offering, take a peek at the best bank bonuses to compare your options.

Frequently Asked Questions (FAQs)

Which are the best bank bonuses and promotions?

There are plenty of bank bonuses available, but not all of them are worth your time or money. Right now, some of the best bank bonuses and promotions are from Citibank, Bank of America and Citizens Bank. Before signing up, always read the fine print for any offer, so you know exactly what you’re getting into.

Does Huntington Bank have a bonus for savings accounts?

Huntington Bank doesn’t currently offer any savings account bonuses. If you’re interested in a savings account bonus, check out our list of the best bank bonuses and promotions.

Is it safe to put money in Huntington Bank?

Huntington Bank is an FDIC-insured institution, meaning your deposits are protected up to $250,000 per depositor in the event that the bank fails. This protection applies to all bank accounts, including checking and savings accounts and certificates of deposit.

When does Huntington charge overdraft fees?

Huntington Bank’s standard overdraft fee is $15. However, you’re only charged this fee if you overdraft by more than $50 and fail to pay the difference within 24 hours.

You’re never charged a fee on overdrafts of $50 or less. This is thanks to Huntington Bank’s “$50 Safety Zone” feature. If you overdraft by more than $50, you’re good as long as you pay it back within the bank’s 24-hour grace period. Otherwise, the $15 fee will kick in.