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Huntington Bank Review 2026

Huntington Bank is a regional bank serving the Midwest with a customer-first approach. Known for its 24-Hour Grace period on overdrafts and innovative digital banking features.

Founded

1866

Headquarters

Columbus, OH

Total Assets

$190 billion

Branches

1,000+

BankingDeal Rating

Based on rates, fees, features, and customer satisfaction

4

out of 5.0

Rates & Fees

ProductRate / Fee
Savings APY0.02%
12-Month CD APY4.35%
Checking Monthly Fee$0

Rates shown are for illustration. Verify current rates directly with Huntington Bank.

Products Offered

Checking Accounts
Savings Accounts
CDs
Credit Cards
Mortgages
Auto Loans
Business Banking

Pros & Cons

Pros

  • 24-Hour Grace on overdrafts
  • No-fee basic checking available
  • Strong Midwest presence
  • Standby Cash emergency fund feature
  • Good customer service ratings

Cons

  • Limited to Midwest and select states
  • Savings rates below online banks
  • Fewer credit card options
  • Some products require in-branch setup

Our Verdict

Huntington Bank is a solid choice for those who value 1,000+ branch locations and a full suite of banking products. 24-Hour Grace on overdrafts, making it a strong contender in the traditional banking space. While savings rates at 0.02% are lower than online competitors, the convenience of branch access and comprehensive product offerings may offset this for many customers.

Related Resources

How to Open a Savings Account
What Is a CD?
Compare Savings Accounts by State
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Frequently Asked Questions

Is Huntington Bank a good bank?

Huntington Bank has a rating of 4/5 on our scale. 24-Hour Grace on overdrafts. However, limited to midwest and select states. Whether it is right for you depends on your specific banking needs and priorities.

What is the savings account APY at Huntington Bank?

Huntington Bank currently offers a savings APY of 0.02%. Online banks may offer higher rates, though Huntington Bank provides other benefits like branch access. Rates are subject to change. Verify current rates directly with Huntington Bank.

Does Huntington Bank charge monthly fees?

Huntington Bank offers checking accounts with no monthly maintenance fee.

What products does Huntington Bank offer?

Huntington Bank offers Checking Accounts, Savings Accounts, CDs, Credit Cards, Mortgages, Auto Loans, Business Banking. Services are available online, through the mobile app, and at 1,000+ branches nationwide.

Where is Huntington Bank headquartered?

Huntington Bank is headquartered in Columbus, OH. Founded in 1866, Huntington Bancshares has grown to manage $190 billion in total assets. It operates 1,000+ branches.