Where Huntington Bank Business Checking Falls Short
ATM network and fees: Huntington Bank does not partner with a national ATM network like Allpoint or MoneyPass, so customers are limited to the 1,300 ATMs Huntington operates in its service area. Transactions at non-Huntington ATMs are $3 each.
Limited service area: Huntington Bank operates 800 branches across seven states, but in some cases the bank’s network is concentrated in one metro area. In Illinois, for example, branch locations are largely concentrated in the Chicago area. And Huntingtonâs presence in Pennsylvania is limited to Pittsburgh and points east. Youâd be wise to research your closest branch before opening an account.
Monthly service fees: Huntington Bank sets a high bar to waive the monthly maintenance fee on its premium checking accounts. Unlimited Business Checking and Unlimited Plus Business Checking require an average combined daily balance of $10,000 and $50,000, respectively, to skirt the monthly fee.
Capital One Spark Business Basic Checking, by comparison, is $15 per month but the fee is waived if you have an average balance of $2,000 over 30 or 90 days. The account has many of the same features offered by Huntington Bank, including unlimited transactions, but requires an opening deposit of $250 and charges for cash deposits in excess of $5,000 per month.
Huntington Bank Near Me Hours
Do you feel it difficult to locate the Huntington Bank near to you as there are plenty of locations? No, need to bother as we have listed an easy way to do so i.e. you can choose Locator present at the official website or Google Maps. All you need to do is simply type State, City or Zip Code of your address in the Store Locator by which you can get the closest branch within your proximity. Furthermore, you can even choose Google Maps to trace out the nearest location as well as its working timings.
Where Can You Cash A Huntington National Bank Check
You can deposit the check in your bank account, cash it at your bank, or show your ID to cash it at the bank that issued the check. If you don’t have a bank account, you can still cash the check via:
- The issuing bank
- A retailer that cashes checks
- With a check-cashing store
- Depositing at an ATM onto a pre-paid card account
Note: You may need to pay some fees and it will not be as convenient as cashing directly into your bank account.
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How Much Money Do You Need To Open A Bank Account
The simple answer, it can vary from bank to bank. It can also depend on the bank account type.
At Huntington, all three of our checking accounts have a no minimum deposit requirement to open. However, in two of our checking accounts, you will need to keep a certain balance threshold, so maintenance fees can be waived and to become eligible to receive more competitive rates.
Savings and investment accounts have different application and balance requirements. To learn more, check out our different types of savings accounts to get specific information. Huntington offers a variety of accounts to help everyone reach their financial goals.
If you open an account with Huntington, you can take advantage of The Hub, our digital banking tools that can help you manage your finances.
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Huntington Bank Holiday Hours
Bank Holding Company Huntington is available to carry out your banking services on a few of the Public Holidays and closes on Official Holidays. Save your time by checking the typical list of Holidays on which Huntington Bank Closes and Opens before visiting itself. Be aware of the Operating Hours of Huntington on Holiday Season or Special Events so that you can make up your mind on when to visit. Get to know everything about Whether Huntington Bank Opens or not during Christmas, Thanksgiving Day. Furthermore, you will come across the details like Where is the nearest Huntington Bank, When does Huntington Close.
On which Holidays Huntington Bank Opens?
- Good Friday
- Address: 410 W 10th Ave, Columbus, OH 43210, USA
- Contact Number: 00 1 616-355-8828
- Website: huntington.com
Huntington Bank Review: Checking Savings And Cds
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.
Overall bank rating
The bottom line:If youâre in the Midwest or Southeast and are looking for a no-frills bank to stow your money, Huntington Bank will get the job done. Low and easily avoidable fees are a draw, but low interest rates are a drag.
Strong branch network in the Midwest.
Low interest rates on checking, savings and CDs.
Overdrafts, if they happen, can get expensive.
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What Does Huntington Offer
Huntington offers a robust menu of products and services including:
- Savings accounts
Huntington Premier Savings
This is the basic savings account for Huntington customers. Premier Savings is free of fees for customers who have a linked Asterisk-Free Checking account, or who maintain an average daily balance of $300 or more. Otherwise, the monthly maintenance fee is $4. You can open an account with a minimum deposit of $50.
Premier Savings offers savers an APY of 0.01% and only requires a balance of $0.01 to earn. Deposit-to-deposit overdraft protection is provided if you have a linked checking account. If you overdraw, Huntington will automatically transfer money in increments of $100 to cover the overdraft from your Premier Savings account. There is no fee for this protection, but be aware of potential transfer limits.
Huntington Relationship Savings
This account gives savers an improved APY that gets even better if you have additional linked accounts. The basic rate is 0.02% and goes up based on which type of accounts you also have with Huntington:
|Relationship Savings Rates|
|Relationship Savings linked with Private Client Account||0.06%|
Like the Premier Savings account, Relationship Savings offers deposit-to-deposit overdraft protection, provided you link to a Huntington 5 Checking account.
|Premier Savings and Relationship Savings Rates and Terms|
|Ranging from 0.02% to 0.06%|
Huntington 5 Checking
Huntington Bank Near Me
Please, search Huntington Bank Near ME locations from the map below. if you find your nearby Huntington Banklocation, click on the map shown below and nearest Huntington Bank location around you will automatically pop up on your map. Also, use this store locator tool to find Huntington Bank near me.
You can also get the Huntington Bank Near Me Now;through Embed Map / Huntington Bank Locator. If you use Huntington Bank locator to find the;Huntington Bank ;Locations.;Just enter your areas zip code & find Huntington Bank ;Near My Location.
What Is A Checking Account And Why Do I Need One
A checking account is a secure account at a financial institution to store your money, where you can deposit or withdraw money as needed. In the past, you would visit a bank branch to deposit a physical paycheck or withdraw cash from your account. Purchases could be made using a paper check that drew money from your account. While you can still do all of these things, you have many more options now. You can deposit or withdraw money at an ATM, have your paycheck deposited directly into your account, deposit a check through your mobile device, and make purchases with a debit card.
Find your nearest Huntington Branch
Huntington Bank Vs Us Bank
US Bank could be a good option for people who want to open a money market account. It only requires $25 or $100 to open either of its accounts, while Huntington requires $25,000.
US Bank also has even more types of checking accounts than Huntington does, so you may decide you like one of those options.
Otherwise, your choice could come down to which bank is closer to where you live.
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Services Available With All Accounts
- 24-hour Grace Period Designed to give you more time to deposit to avoid an overdraft fee.
- All-day Deposit You can make deposits at ATMs or on the mobile app anytime until midnight.
- Overdraft Protection Offered free of charge when you link a savings or money market account to your checking account.
- Mobile Banking Offers all the functions of online banking and even lets you deposit checks from your smartphone, tablet, or desktop computer.
- Online Bill Pay Pay your bills directly from the bank’s web platform.
- Email and Text Alerts Real-time updates on your accounts, alerting you to unusual activity, account shortfalls, and budgeting issues.
- Platinum Debit Card Use it anywhere MasterCard is accepted. It offers zero liability for unauthorized charges. And it offers identity theft resolution services, assisting you with credit bureau notification and credit card replacement.
How Do I Know If It Makes Sense To Refinance
So when does it make sense to refinance? The typical should-I-refinance-my-mortgage rule of thumb is that if you can reduce your current interest rate by 1% or more, it might make sense because of the money youll save. Refinancing to a lower interest rate also allows you to build equity in your home more quickly.
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We believe everyone should be able to make financial decisions with confidence. And while our site doesnât feature every company or financial product available on the market, weâre proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward â and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Does Huntington Bank Do Fha Loans
Does Huntington Bank do FHA loans? Huntington offers Federal Housing Administration , U.S. Department of Veteran Affairs and U.S. Department of Agriculture loans. Learn more about FHA, VA, USDA, and other non-conventional loans and find out if you qualify by searching for a quote or contacting Huntington.
What credit score does Huntington Bank use for mortgage?;The credit scores most widely used in lending decisions are FICO® Scores, the credit scores created by Fair Isaac Corporation . Lenders can request FICO® Scores from all three major consumer reporting agencies .
What is Huntingtons current mortgage rate?;Huntington Beach, CA Mortgage Rates. Current rates in Huntington Beach, California are 3.03% for a 30 year fixed loan, 2.39% for 15 year fixed loan and 2.73% for a 5/1 ARM.
How much money do you need in the bank for a FHA loan?;FHA loans have lower credit and down payment requirements for qualified homebuyers. For instance, the minimum required down payment for an FHA loan is only 3.5% of the purchase price. The FHA mortgage calculator includes additional costs in the estimated monthly payment.
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Important Update On Covid
In reaction to COVID-19, Huntington Bank operating hours can vary greatly, or the place can be temporarily shut down as a result of quarantine constraints. Look into the terms of shipping and delivery options on the local website of your Huntington Bank.
Huntington Bank altered their shopping hrs to permit the workers a little extra time to clean and to replenish goods on shelving. In addition to that, a lot of Huntington Bank spots have right now put in place specific shopping hrs for individuals the at-threat local community.
Unlimited Business Checking: $400 Bonus
The Unlimited Business Checking account is designed for small businesses that want perks like unlimited transactions and waived monthly service fees. With this account, you can choose one free monthly bonus service such as a check fraud detection tool, 50 deposit scans per month or 10% off Paychex payroll services.
You can also earn a $400 bonus when you open a new account and meet certain criteria. Heres more on how to qualify:
- Cash value: $400
- Availability: This offer is available only to customers who live in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia.
- Minimum deposit to qualify: $5,000
- Expiration date: Nov. 7
- How to get it: Open a new Unlimited Business Checking account before the promotions expiration date. Next, deposit $5,000 in the account within the first 60 days.
- When youll get it: Within 14 days of meeting the requirements
- Terms and conditions: Money transfers from other Huntington Bank accounts and person-to-person payment services do not count as qualifying deposits for this promotion.
- Monthly fees: $20, waived by meeting the total deposit relationship balance of $10,000
- Promotion page: Unlimited Business Checking bonus offer
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Huntington Bank To Close 97 In
Huntington Bancshares Inc. intends to close 198 branch offices about half of which are based in Meijer Inc. stores in Michigan after completing the proposed $22 billion acquisition of Detroit-based TCF Financial Corp.
The planned closings include the 97 in-store branches located in Meijer locations that will occur after the deal between the Columbus, Ohio-based Huntington Bancshares and TCF Financial earns regulatory approval and closes this spring.
All of these branches have an existing traditional Huntington branch very nearby. Even with these consolidations, the combined branch network will be the largest in Michigan, a Huntington spokesperson wrote today in an email to MiBiz.
In a Friday conference call with brokerage analysts to discuss fourth quarter results, Huntington Bancorp Chairman, President and CEO Stephen Stenour attributed the planned Meijer in-store closings to just excess distribution in Michigan as a consequence of the combination that will allow us to cycle out of the in-store branches.
Huntington and the Walker-based supercenter retailer Meijer first signed a deal in 2012 for the bank to open in-store branches in Michigan. Stenour said in Fridays conference call that Huntington had explained the closings to Meijer.
A February 2020 report by S&P Global Market Intelligence detailed how banks have been backing away from in-store branches for a decade.
How Huntington Bank Works
Huntington Bank is a regional bank with over 800 branches and 1,400 ATMs across seven US states. You can open an account online, but you still must be a resident of one of the following states:
- West Virginia
Your money is FDIC insured for up to $250,000, or $500,000 if you have a joint account.
You can call Huntington customer support or chat live online Monday through Friday, from 7:00 a.m. and 7:00 p.m. ET.
You can call Saturday, 8:00 a.m. to 7:00 p.m., or Sunday, 9:00 a.m. to 6:00 p.m. You can chat live online on weekends from 8:00 a.m. to 5:00 p.m. ET.
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