Huntington National Bank is a large Midwest-based regional bank, headquartered in Columbus, Ohio. Its Asterisk-Free Checking account has no monthly fee, no minimum balance, and includes Huntington’s signature 24-Hour Grace overdraft protection plus a $50 Safety Zone.
Huntington Bank at a Glance
| Feature | Details |
|---|---|
| Headquarters | Columbus, Ohio |
| Founded | 1866 |
| Monthly fee (Asterisk-Free) | $0 — no fee ever |
| Overdraft protection | $50 Safety Zone (no fee if overdrawn $50 or less) + 24-Hour Grace (no fee if positive by next business day EOD) |
| Overdraft fee (if not covered by the above) | $15 per item, max 3/day ($45/day cap) — reduced from $36 in July 2022 |
| Savings rate | Confirm current rate directly with Huntington — variable and changes over time |
| Customer service | (800) 480-2265 |
| Customer service hours | Representatives daily 7:00 a.m.–8:00 p.m. ET; automated account information 24 hours a day |
| FDIC insured | Yes — $250,000 per depositor |
Source for overdraft fee figures: Banking Dive’s contemporaneous reporting on Huntington’s July 2022 fee reduction (from $36 to $15 per item, max 3/day), corroborated by Huntington’s own “Overdraft Fees Explained” and “$50 Safety Zone” pages. Confirm current figures directly at huntington.com, since fee schedules can be updated.
Huntington’s Footprint
Huntington says on its About Us page that it operates over 1,400 branches in 21 states, with certain businesses operating nationally. Confirm the current list of states at huntington.com, since bank footprints can change through mergers and acquisitions.
Checking Account Options
| Account | Monthly Fee | Key Feature |
|---|---|---|
| Asterisk-Free Checking | $0 | No minimum, no DD required |
| Perks Checking | $10 | Rewards and perks |
| Platinum Perks Checking | $25 | Premium benefits, waived with $25K+ |
| SmartInvest Checking | Varies | Investment integration |
24-Hour Grace and the $50 Safety Zone: Huntington’s Signature Features
Huntington’s $50 Safety Zone means no overdraft fee at all if your account is overdrawn by $50 or less. For overdrafts beyond $50, 24-Hour Grace gives customers until end of next business day to bring an overdrawn account positive — with no overdraft fee charged. Both are automatic, require no opt-in, and apply to all personal checking accounts.
Example: If your account goes negative by more than $50 on Monday night, you have until end of day Tuesday to deposit funds before the $15 fee applies.
All Huntington Bank Guides
- Huntington Bank Routing Number 2026 — 044000024, direct deposit, wire setup
- Huntington Bank Fees 2026 — $0 monthly, 24-Hour Grace, ATM fees
- Huntington Bank ATM Limit 2026 — Allpoint network, OON fees
- Huntington Bank Customer Service 2026 — (800) 480-2265 and phone hours
- Huntington Bank Hours 2026 — phone hours and how to find branch hours
- Huntington Bank Minimum Balance 2026 — $0 minimum for Asterisk-Free
- Huntington Bank Mobile Deposit Limit 2026 — cutoff times
- Huntington Bank Transfer Limit 2026 — Zelle, ACH, wire limits
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