Huntington National Bank is one of the largest Midwest regional banks, with ~1,000 branches and $200+ billion in assets. Headquartered in Columbus, Ohio, Huntington operates across 15 states — predominantly in the Midwest and Southeast. Its Asterisk-Free Checking account has no monthly fee, no minimum balance, and includes Huntington’s signature 24-Hour Grace overdraft protection.
Huntington Bank at a Glance
| Feature | Details |
|---|---|
| Headquarters | Columbus, Ohio |
| Founded | 1866 |
| Assets | ~$200 billion |
| Branches | ~1,000 (15 states) |
| ATMs | ~1,800 owned + Allpoint |
| Monthly fee (Asterisk-Free) | $0 — no fee ever |
| Overdraft protection | 24-Hour Grace (no fee if positive by next day EOD) |
| Overdraft fee (if 24-Hour Grace not met) | $15 (max 4/day) |
| Savings rate | 4.70% APY (with Huntington checking) |
| Daily ATM limit | ~$400 standard |
| Customer service | 1-800-480-2265 |
| Customer service hours | Mon–Fri 7AM–7PM ET; Sat 8AM–2PM ET |
| FDIC insured | Yes — $250,000 per depositor |
Huntington 15-State Footprint
Ohio, Michigan, Indiana, Kentucky, Pennsylvania, Illinois, Wisconsin, Minnesota, Colorado, Texas, West Virginia, Virginia, North Carolina, Georgia, and Florida.
Checking Account Options
| Account | Monthly Fee | Key Feature |
|---|---|---|
| Asterisk-Free Checking | $0 | No minimum, no DD required |
| Perks Checking | $10 | Rewards and perks |
| Platinum Perks Checking | $25 | Premium benefits, waived with $25K+ |
| SmartInvest Checking | Varies | Investment integration |
24-Hour Grace: Huntington’s Signature Feature
Huntington’s 24-Hour Grace gives customers until end of next business day to bring an overdrawn account positive — with no overdraft fee charged. This is automatic, requires no opt-in, and applies to all personal checking accounts.
Example: If your account goes negative Monday night, you have until end of day Tuesday to deposit funds before any fee applies.
All Huntington Bank Guides
- Huntington Bank Routing Number 2026 — 044000024, direct deposit, wire setup
- Huntington Bank Fees 2026 — $0 monthly, 24-Hour Grace, ATM fees
- Huntington Bank ATM Limit 2026 — $400/day, Allpoint network, OON fees
- Huntington Bank Customer Service 2026 — 1-800-480-2265, hours, chat
- Huntington Bank Hours 2026 — branch hours, phone hours, holiday schedule
- Huntington Bank Minimum Balance 2026 — $0 minimum for Asterisk-Free
- Huntington Bank Mobile Deposit Limit 2026 — $5,000/day, cutoff times
- Huntington Bank Transfer Limit 2026 — Zelle, ACH, wire limits
- Huntington Bank vs Fifth Third 2026 — Ohio regional bank comparison
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