Huntington Asterisk-Free Checking charges zero monthly fees — no minimum balance, no direct deposit requirement. If your account goes negative, Huntington’s 24-Hour Grace gives you until end of the next business day to fix it before a $15 overdraft fee applies (max 4/day). Out-of-network ATM fee is $3.50.
Huntington Bank Fee Schedule 2026
| Fee Type | Amount | Notes |
|---|---|---|
| Asterisk-Free Checking monthly | $0 | No waiver needed — always free |
| Perks Checking monthly | $10 | — |
| Platinum Perks Checking monthly | $25 | Waived with $25,000 combined balance |
| Overdraft fee | $15 | Only if 24-Hour Grace not met; max 4/day |
| OON ATM fee | $3.50 | Plus operator surcharge |
| In-network ATM fee | $0 | Huntington + Allpoint ATMs |
| Foreign transaction fee | 3% | — |
| Outgoing domestic wire | $25 | — |
| Incoming domestic wire | $0 | Free for all accounts |
| Outgoing international wire | $40 | — |
| Stop payment | $31 | — |
| Returned item | $15 | — |
| Paper statement | $0 | Free, e-statements also available |
24-Hour Grace: How It Works
Huntington’s 24-Hour Grace is automatic and requires no opt-in:
| Scenario | What Happens |
|---|---|
| Account overdrawn Monday evening | No fee yet |
| Balance restored positive by end of Tuesday | No overdraft fee ever charged |
| Balance still negative Tuesday EOD | $15 fee per item charged |
24-Hour Grace applies to:
- Checks
- ACH transactions
- Debit card purchases
- Any transaction that causes an overdraft
Limit: Max 4 overdraft fees per day ($60/day) if grace period not met.
Huntington vs Competitors: Overdraft Fees
| Bank | Overdraft Fee | Max Per Day | Grace Period |
|---|---|---|---|
| Huntington | $15 | $60 | 24 hours |
| Regions | $36 | $108 | None |
| Fifth Third | $37 | $185 | None |
| Citizens | $35 | $175 | None |
| Chase | $34 | $102 | None |
| Wells Fargo | $35 | $105 | None |
Huntington’s overdraft fee structure is among the most consumer-friendly at any major US bank.
Monthly Fee Comparison
| Bank | Monthly Fee | Waiver Requirements |
|---|---|---|
| Huntington | $0 | No waiver needed |
| Regions | $8 | $1,500 balance OR $500 DD |
| Fifth Third | $11 | $500 DD OR $1,000 balance |
| Citizens | $9.99 | 1 deposit/month |
| Wells Fargo | $10 | $500 DD OR $500 balance |
| Chase | $12 | $500 DD OR $1,500 balance |
Related Guides
- Huntington Bank routing number 2026 — 044000024
- Huntington Bank minimum balance 2026 — $0 requirement
- Huntington Bank ATM limit 2026 — $400/day, Allpoint network
- Huntington Bank vs Fifth Third 2026 — Midwest fee comparison
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