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Huntington Checking Account Review
Huntington personal checking review 2024: fees, pros/cons, interest rates. Free checks, ATM deposits, debit card rewards, promo offer.
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Huntington Checking
Huntington Bank appears to be raising the bar when it comes to customer satisfaction. The benefits of their Asterisk- Free checking account is causing waves in the banking industry.
- Free to open, no monthly fees and no minimum balance requirements.
- 24-hour grace overdraft fee relief is one reason people are switching to Huntington. If you overdraw your checking account, make a deposit during the next business day and the overdraft fee will be waived.
- Free overdraft protection transfers with a linked account- No need to worry about transferring funds between accounts when your account is overdrawn. With a linked savings or money market account, Huntington will transfer the funds for you.
- Free debit card- No Huntington ATM fees, no maximum or minimum transaction fees.
- Free online banking and bill pay- Easily set up and pay bills online or request that Huntington issue a check for you.
- Free alerts– set up automated text or email messages to help you manage your finances.
- Free online and mobile banking.
Huntington Checking Online Banking
Huntington online banking allows access to your account anytime, anywhere there is internet service. Giving you the freedom to pay bills, apply for a loan, reorder checks, transfer funds or just check your balances.
While online there are several reports you can create right from your account. These include incoming and outgoing cash flow, budget, payee and tax reports. You can conduct advanced searches and view images of checks paid or deposit slips from the home page of your online account. Access your statements online for up to 24 months and save them directly to your computer.
Huntington’s online customer service offers a decent amount of information and services allowing you to update your personal information, request copies, stop payments, order checks and conduct research.
Mobile Banking
Huntington mobile banking apps are available to download for your Smartphone or iPad from the App Store or Google Play. You must first sign up for online banking to take advantage of the benefits. The app allows you to view 45 days of banking history, check your balance, pay bills, find an ATM location, contact customer support and make a mobile deposit by snapping a photo of your check.
(Currently mobile deposit using the Huntington app is only supported by iPhone iOS 4.3.5 or higher and Android Smartphone’s with version 2.1 or higher, this feature is not supported on iPad.)
Huntington Checking Fees
For the most part, Huntington Asterisk Free checking is free when conducting the most common banking transactions. Fees for other transactions include:
Stop payment- $31.00 each.
Money Order- $5.00 each.
Cashier Check- $6.00 each.
Traveler’s Cheques- 2% of face value.
Paper statements with cleared check images- $2.00 each
Checks- There are no free boxes of checks with your account, you can order them through a link in your online account. However, online you can request that Huntington issue a payment on your behalf. Or, while in a branch office, request a blank counter check that you can take with you and later issue yourself.
Other Huntington Accounts
Looking for a checking account with interest? Try out the Huntington Plus Checking. This account includes all the services of the Asterisk account with additional benefits. A minimum balance requirement of $15,000 can be reached by linking your other Huntington accounts. The Plus account includes free checks, a small safe deposit box at a local branch office, and five free non- Huntington ATM withdrawals.
Comparing Huntington Checking
When compared with some of the basic checking accounts of the biggest banks in the USA, Huntington seems to stand above the rest. Account fees may differ depending on where you live.
Chase Total Checking- Includes online and mobile banking, bill pay, account alerts and a debit card. Monthly service fee of $12.00 is waived with monthly direct deposits totaling $500 or with a minimum daily balance of $1,500.
Bank of America Core Checking- Simple, direct deposit account with online and mobile banking. Monthly service fee of $12.00 is waived with direct deposits of $250 per month or an average daily balance of $1,500.
US Bancorp Easy Checking- Includes online and mobile banking, bill pay, alerts and a debit card. Monthly service fee is $7 with online statements and $9 with paper statements. The fee is waived with monthly direct deposits totaling $1,000 or by maintaining an average account balance of $1,500.
PNC Standard Checking- Basic account with online banking and bill pay, unlimited check writing and the potential to earn cash back when using their debit card. Monthly service fee of $7 is waived with $500 in direct deposits per month, an average monthly balance of $500 or the account holder is 62 or older.
In conclusion, besides being free, Asterisk Free Checking is the only account offering free overdraft protection. Other banks charge a large fee for overdrafts, which is the worst time for a consumer to be charged a fee. They also charge a fee just to transfer funds between your accounts should your checking account become overdrawn.
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