Does Huntington Bank have a minimum balance requirement?

Huntington Bank's Asterisk-Free Checking has no minimum balance requirement — ever. You can keep $1 in the account without being charged a monthly fee. There is no minimum daily balance and no direct deposit requirement.

What is Huntington Bank's minimum balance for savings?

Huntington's standard savings account requires a $300 average monthly balance to avoid a $4/month fee. The Huntington Relationship Savings account earns 4.70% APY when linked to a qualifying Huntington checking account.

What is the minimum amount to open a Huntington Bank account?

Huntington Bank's Asterisk-Free Checking can be opened with no minimum deposit — $0 to open. Some premium accounts like Platinum Perks Checking may require an initial deposit or have balance-based fee waivers.

Huntington Bank Minimum Balance 2026: $0 Requirement for Asterisk-Free

Huntington Asterisk-Free Checking has a $0 minimum balance — no fee regardless of your balance or whether you set up direct deposit. This is one of the few major US regional banks with a truly fee-free checking account. Huntington Savings requires $300 average monthly balance to avoid a $4/month fee.

Huntington Bank Balance Requirements by Account

Account	Monthly Fee	Minimum Balance	Waiver
Asterisk-Free Checking	$0	None — always free	N/A
Perks Checking	$10	—	With qualifying activity
Platinum Perks Checking	$25	$25,000 combined	Balance-based
Huntington Savings	$4	$300 avg monthly	Balance
Premier Savings	$4	$300 avg monthly	Balance

Asterisk-Free Checking: No Minimums Explained

Huntington is unusually direct about this: the Asterisk-Free account has no strings attached.

Feature	Asterisk-Free Checking
Monthly fee	$0
Minimum opening deposit	$0
Minimum daily balance	None
Direct deposit required	No
Minimum to avoid fee	No fee to avoid

This stands in contrast to nearly every other major US bank’s “free” checking account, which typically requires a direct deposit or minimum balance to waive fees.

Minimum Balance Comparison: Huntington vs Midwest Banks

Bank	Monthly Fee	Minimum Balance to Avoid Fee
Huntington	$0	None
Fifth Third	$11	$500 DD or $1,000 balance
Regions	$8	$1,500 balance or $500 DD
Citizens	$9.99	1 deposit per month
Chase	$12	$500 DD or $1,500 balance
Wells Fargo	$10	$500 DD or $500 balance

Savings Account: $300 Minimum

The Huntington Savings account charges $4/month if your average monthly balance falls below $300. With the $300 minimum:

You avoid the $4/month fee
Combined with a Huntington checking account, you may qualify for the Relationship Savings rate of 4.70% APY

For customers who want high yield without the balance requirement, Ally, Marcus, or SoFi offer no-minimum high-yield savings.

Huntington Bank fees 2026 — $0 monthly fee, 24-Hour Grace
Huntington Bank routing number 2026 — 044000024
Huntington Bank vs Fifth Third 2026 — minimum balance comparison
Huntington Bank customer service 2026 — 1-800-480-2265

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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