Checking and Savings Accounts: Huntington National Bank
Huntington National Bank is a leading financial institution dedicated to offering a wide range of banking products and services tailored to meet the unique needs of its customers. Among its key offerings are checking and savings accounts, which provide flexibility, convenience, and security for individuals and businesses. Huntington’s checking and savings accounts are designed to help customers manage their finances efficiently, with features that minimize fees and provide financial peace of mind.
Checking Accounts
Huntington National Bank provides several types of checking accounts that cater to different lifestyles and financial needs. These accounts come with a host of features aimed at simplifying banking while helping customers avoid unnecessary fees.
Asterisk-Free Checking® Account
One of Huntington’s most popular checking products is the Asterisk-Free Checking® Account, which is a perfect option for individuals seeking a straightforward, no-frills checking account. Key features of the Asterisk-Free Checking® Account include:
No Monthly Maintenance Fees
The Asterisk-Free Checking® Account stands out for having no monthly maintenance fees, regardless of balance. This makes it an ideal choice for those looking to avoid unnecessary fees typically associated with checking accounts. Customers do not need to worry about minimum balance requirements, allowing for flexible account management without added costs.No Minimum Balance Requirement
Unlike many banks that require customers to maintain a minimum balance to avoid fees, Huntington’s Asterisk-Free Checking® Account has no minimum balance requirement, making it accessible to all, from students to retirees.Online and Mobile Banking
The Asterisk-Free Checking® Account is fully integrated with Huntington’s online and mobile banking platform, allowing customers to manage their account, check balances, transfer funds, and pay bills from anywhere, anytime. With the Huntington Mobile App, banking is made simple, secure, and accessible on the go.Unlimited Check Writing
Customers with the Asterisk-Free Checking® Account enjoy unlimited check writing, offering greater flexibility in how they pay bills and manage their money.
Huntington 25-Hour Grace®
Huntington goes above and beyond to protect its customers from overdraft fees. One of the unique features offered with many of its checking accounts, including the Asterisk-Free Checking® Account, is Huntington 25-Hour Grace®.
Extra Time to Avoid Overdraft Fees
With 25-Hour Grace®, Huntington gives customers up to an extra 24 hours (plus an additional hour) to cover any overdrafts before charging an overdraft fee. If an account becomes overdrawn, customers are notified and given a 25-hour grace period to make a deposit and avoid fees.No Overdraft Surprises
This feature is designed to give customers peace of mind by preventing overdraft surprises, offering a cushion to avoid penalties when an unexpected expense occurs or when funds are temporarily unavailable.
Additional Checking Accounts
In addition to the Asterisk-Free Checking® Account, Huntington offers several other checking accounts that cater to different customer needs, such as:
Huntington 5 Checking®
Huntington 5 Checking® is an interest-bearing checking account that offers perks such as five free non-Huntington ATM withdrawals per month and access to Relationship Rates on other accounts. Customers can avoid the monthly maintenance fee with a $5,000 combined balance across eligible Huntington accounts.Huntington 25 Checking®
Huntington 25 Checking® is designed for individuals looking for more benefits and interest on their checking balances. It offers 25 free non-Huntington ATM withdrawals per month, Relationship Rates, and no fee for incoming domestic wires. The monthly fee can be waived with a $25,000 combined balance in eligible accounts.
Savings Accounts
Huntington National Bank provides a variety of savings accounts to help customers achieve their financial goals. Whether you’re saving for a rainy day, a major purchase, or long-term financial security, Huntington offers savings products with competitive interest rates and flexible terms.
Huntington Premier Savings
Huntington Premier Savings is a high-yield savings account designed to help customers maximize their savings potential. It offers a number of features to encourage saving while providing easy access to funds:
No Monthly Maintenance Fees
Similar to Huntington’s checking accounts, Huntington Premier Savings accounts come with no monthly maintenance fees as long as they are linked to a Huntington 5 Checking® or Huntington 25 Checking® account, ensuring that savings aren’t eroded by fees.Competitive Interest Rates
Premier Savings accounts offer competitive interest rates, making it easier for customers to grow their savings over time. Huntington also offers Relationship Rates, which provide higher interest rates on savings when linked to qualifying Huntington checking accounts.Automatic Transfers
To make saving easier, Huntington allows customers to set up automatic transfers from their checking account to their savings account. This feature is ideal for those looking to build their savings consistently, without having to manually move funds between accounts.
Relationship Money Market Account
For customers seeking a savings solution with higher interest potential, Huntington offers the Relationship Money Market Account. This account combines the benefits of a traditional savings account with the flexibility of limited check-writing privileges.
Higher Interest Rates
Relationship Money Market accounts offer tiered interest rates, which means the higher the balance, the more interest customers can earn. Additionally, Relationship Rates are available to customers who link the account to a Huntington checking account.Check Writing Privileges
Unlike traditional savings accounts, Huntington’s Money Market Account allows for limited check-writing capabilities, giving customers easy access to their funds when needed.No Monthly Fees with Qualifying Accounts
As long as the Relationship Money Market Account is linked to a qualifying Huntington checking account, customers avoid monthly maintenance fees, allowing them to focus on growing their savings.
Huntington Kids Savings Account
Huntington also offers a savings account specifically designed for younger customers. The Huntington Kids Savings Account is a fantastic tool to help children learn about the importance of saving money.
No Monthly Maintenance Fees
The Kids Savings Account has no monthly maintenance fees, making it an easy and cost-free way for parents to teach their children about saving.Low Initial Deposit
Huntington’s Kids Savings Account requires only a small initial deposit, making it accessible for families looking to start saving for their children’s future.Education-Focused
The account is designed to help parents instill good financial habits in their children by giving them hands-on experience with managing a savings account.
Features of Huntington Savings and Checking Accounts
Both Huntington checking and savings accounts come with a variety of features designed to make banking easier and more efficient for customers:
Overdraft Protection: Huntington offers overdraft protection by linking a savings or money market account to a checking account, ensuring that funds are automatically transferred if an overdraft occurs, thereby avoiding overdraft fees.
FDIC Insurance: All Huntington savings and checking accounts are FDIC-insured, providing customers with peace of mind knowing that their deposits are protected up to the FDIC limit.
Digital Banking: Huntington’s robust online and mobile banking platform allows customers to manage their checking and savings accounts from the convenience of their computer or smartphone. Customers can check balances, transfer funds, set up bill payments, and deposit checks using Huntington’s mobile app.
Huntington Heads Up®: This feature provides proactive notifications about upcoming bills, low balances, and unusual account activity, ensuring customers stay informed and can take immediate action when needed.
Why Choose Huntington National Bank for Checking and Savings Accounts?
Huntington National Bank stands out in the industry for its customer-centric approach and commitment to financial transparency. Here are several reasons to choose Huntington for your checking and savings needs:
No Hidden Fees: Huntington offers many checking and savings accounts with no hidden fees or minimum balance requirements, making it accessible for a wide range of customers.
Customer Support: With a reputation for excellent customer service, Huntington provides 24/7 support through its website, mobile app, and branch locations, ensuring that customers always have access to help when needed.
Innovative Features: With unique services like Huntington 25-Hour Grace®, Huntington Heads Up®, and mobile banking, customers enjoy convenience, flexibility, and extra protections that other banks may not offer.
Security: All transactions, whether in-person, online, or mobile, are protected by Huntington’s advanced security protocols, giving customers peace of mind about their financial safety.
For more information about Huntington National Bank’s checking and savings accounts, or to open an account, contact Huntington at info@huntingtonnationals.com or +1 (432) 294-6095, or visit their branch located at 35641 Monroe St, Richmond, MI 48062, United States.