Is Huntington Bank a good bank?

Huntington Bank is an excellent choice for customers in its Midwest footprint. Its Asterisk-Free Checking has no monthly fee or minimum balance. Huntington's 24-Hour Grace overdraft policy gives customers a free extra day to fix shortfalls before fees apply — a meaningful consumer-friendly feature. Standby Cash provides a $100–$1,000 credit line at 0% APR (5% transfer fee) for qualified customers. Savings rates are not competitive, but the checking product is among the best in its region.

What is Huntington 24-Hour Grace?

Huntington 24-Hour Grace is a policy that gives customers until the end of the next business day (midnight Eastern time) to bring their account balance to $0 or above before an overdraft fee is charged. If you fix the shortfall in time, no overdraft fee is assessed — even if your account was negative overnight. 24-Hour Grace applies to all Huntington personal checking accounts at no charge.

What is Huntington Standby Cash?

Huntington Standby Cash is a line of credit from $100 to $1,000 that automatically covers checking account overdrafts. The APR is 0% — Huntington charges a 5% fee on each draw (e.g., $5 on a $100 draw). Standby Cash is repaid in three equal monthly installments. Eligibility is based on account history. It is automatically available to qualifying Huntington checking customers — no application required.

What is Huntington Bank's routing number?

Huntington Bank's routing number is 044000024. This is the primary routing number used for direct deposit, ACH transfers, and most banking transactions at Huntington, applicable across all states where Huntington operates.

Huntington Bank Review 2026: Asterisk-Free Checking, 24-Hour Grace & Rates

Huntington Bank operates approximately 1,000 branches primarily in Ohio, Michigan, Indiana, Pennsylvania, Kentucky, West Virginia, Wisconsin, and Illinois. Its Asterisk-Free Checking is genuinely free — no conditions. The 24-Hour Grace overdraft policy and Standby Cash line of credit make it one of the most consumer-friendly regional banks for overdraft protection. Savings rates are below market — pair Huntington checking with an external HYSA.

Huntington is best for: Midwest customers who value overdraft-friendly policies and no-fee checking.

Huntington Bank at a Glance

Feature	Details
Headquarters	Columbus, OH
Assets	~$195 billion
Branches	~1,000 (OH, MI, IN, PA, KY, WV, WI, IL, and more)
ATMs	~1,600 Huntington ATMs
FDIC insured	Yes
Routing number	044000024
Savings APY	0.01%–0.02%

Checking Accounts

Asterisk-Free Checking (Flagship)

Monthly fee: $0
Minimum balance: $0
Direct deposit required: No
24-Hour Grace: Yes (free extra day to fix overdrafts)
Standby Cash: $100–$1,000 at 0% APR (5% fee per draw)
Best for: Most customers

Huntington 5 Checking

Monthly fee: $5/month
APY on checking: 1.50% on balances up to $5,000
Overdraft: 24-Hour Grace included
Best for: Customers with $5,000 or less in checking who want to earn interest

Huntington 25 Checking

Monthly fee: $25/month (waived with $25,000 combined Huntington balance)
Benefits: Premium rate savings, relationship discounts, complimentary checks
Best for: High-balance customers wanting premium service

The Overdraft Advantage: 24-Hour Grace + Standby Cash

Huntington’s overdraft handling is among the most customer-friendly of any US bank:

24-Hour Grace: If your account goes negative, Huntington notifies you immediately. You have until midnight Eastern time the next business day to deposit enough to bring the balance to $0 or above — no overdraft fee charged.

Standby Cash: A $100–$1,000 revolving credit line that automatically covers overdrafts. 0% APR, 5% fee per draw ($5 on $100), repaid in 3 equal monthly installments. No separate application — Huntington makes it available to qualifying customers automatically.

Example: Account overdraws by $85 on Monday morning. Under 24-Hour Grace, you make a deposit by midnight Tuesday — no fee. If Standby Cash is available and you don’t deposit in time, Standby Cash covers it for a $4.25 fee (5% of $85) — far less than a typical $37 overdraft fee.

Huntington 5 Checking: Interest-Earning Checking

Huntington 5 Checking earns 1.50% APY on balances up to $5,000 — an unusual feature for any regional bank checking account. The $5/month fee equates to $60/year. At 1.50% on a $5,000 balance, you earn $75/year — slightly more than the fee cost. This account pays for itself at balances of approximately $4,000+.

Savings Rates

Huntington standard savings: 0.01%–0.02% APY — not competitive. See Huntington savings account guide for the recommended external HYSA strategy.

ATM Network

Huntington has ~1,600 branded ATMs — a smaller network than Fifth Third (50,000+) or Chase (16,000+). Out-of-network ATM fee: $3.50 per transaction. No ATM reimbursement on Asterisk-Free or Huntington 5.

Huntington vs. Fifth Third

Feature	Huntington Asterisk-Free	Fifth Third Momentum
Monthly fee	$0	$0
Early deposit	Up to 1 day	Up to 2 days
Overdraft grace	24-Hour Grace (free)	Standard
ATMs	~1,600	50,000+
Standby Cash	Yes (0% APR)	No
Savings APY	0.01%–0.02%	0.01%

Huntington wins on overdraft protection. Fifth Third wins on ATM network size and Early Pay window.

Who Huntington Is Best For

Ohio, Michigan, Indiana, and core Midwest customers
Those who have had overdraft issues — 24-Hour Grace and Standby Cash reduce fee exposure significantly
Customers who want genuine no-fee banking without conditions
Those comfortable with a smaller ATM network

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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy