Huntington Bank Fees 2026: $0 Monthly Fee, Overdraft & ATM Fees

Huntington Bank stands out from its regional peers with a genuinely fee-free flagship account — Asterisk-Free Checking charges no monthly fee, requires no minimum balance, and demands no direct deposit. For customers who frequently come close to overdrafting, the 24-Hour Grace policy and $50 Safety Zone add another layer of protection that no competing regional bank matches at scale.

The trade-off: Huntington’s branch and ATM network is concentrated in the Midwest. If you live outside Huntington’s core footprint, you’ll hit out-of-network ATM fees regularly, and the $3.50 Huntington charge — plus the operator surcharge — can exceed $6 per withdrawal.

Huntington Bank Fees at a Glance 2026

Huntington Checking Account Fees

Asterisk-Free Checking

Huntington’s most popular account charges no monthly fee under any circumstances. There is no minimum balance to maintain, no direct deposit amount to hit, and no minimum number of transactions required. For most customers, this is the right account.

Perks Checking

Perks Checking costs $10/month and is designed for customers who want premium features like ATM fee reimbursements and preferred rates. The fee waiver requires either $5,000 in combined Huntington balances or meeting an unlimited qualifying deposit threshold.

Platinum Perks Checking

Platinum Perks costs $25/month, waived with $25,000 in combined Huntington balances. Includes unlimited ATM fee reimbursements, preferred savings rates, and free incoming and outgoing domestic wire transfers.

Huntington Savings Account Fees

Key point: Linking a Huntington savings account to Asterisk-Free Checking waives the $10 savings monthly fee and enables free overdraft protection transfers between the accounts.

Huntington Bank Overdraft Fees, 24-Hour Grace, and the $50 Safety Zone

Huntington’s 24-Hour Grace is one of the more consumer-friendly overdraft policies among major US regional banks and requires no opt-in. It’s paired with a separate protection called the $50 Safety Zone: Huntington does not charge an overdraft fee at all if the account is overdrawn by $50 or less.

24-Hour Grace applies to:

• Checks
• ACH transactions
• Debit card purchases
• Any transaction that causes an overdraft of more than $50

Maximum: 3 overdraft fees per day ($45/day cap) if the grace period is not met and the overdrawn amount exceeds $50. Huntington reduced this fee from $36 to $15 per item effective July 2022, per Huntington’s own announcement and contemporaneous banking-industry reporting (Banking Dive).

For a $200 overdraft due to a mistimed bill payment, a customer who deposits $210 before the end of the next business day pays nothing. At many big banks that don’t offer a grace period, the same situation could cost $34–$36 immediately.

Overdraft Fee Comparison

Overdraft fee comparisons across other banks are not restated here as fixed figures — confirm each bank’s current overdraft policy directly, since these change over time and were not independently re-verified for every competitor in this review.

Huntington ATM Fees

Huntington’s Allpoint access adds 55,000+ surcharge-free ATMs nationally, making the network competitive even outside Huntington’s primary Midwest footprint. Use the Allpoint or Huntington mobile app locator before withdrawing cash in an unfamiliar area.

Huntington Wire Transfer Fees

Huntington’s free incoming wire transfers — both domestic and international — stand out from most competitors, who typically charge a fee for incoming domestic wires. If you regularly receive wire transfers, this is a meaningful advantage. Confirm current competitor incoming-wire fees directly before relying on a specific comparison figure.

For most outgoing transfers, Zelle (free, instant, included with Huntington checking) or ACH (free, 1–3 business days) are better alternatives to the $25 wire fee.

Other Huntington Fees

How to Avoid Huntington Bank Fees

Monthly fee: Use Asterisk-Free Checking — there are no conditions and no fee, ever.

Overdraft fee: A few layers of protection stack together:

1. The $50 Safety Zone — no fee at all if overdrawn by $50 or less
2. 24-Hour Grace — deposit enough before end of next business day to avoid the fee entirely
3. Link a Huntington savings account for automatic overdraft transfers

ATM fee: Use Huntington ATMs or Allpoint network. Check the app before withdrawing cash. Upgrade to Platinum Perks if you frequently need out-of-network ATM access.

Wire fee: Use Zelle for person-to-person transfers (free, instant). Use ACH for regular transfers to external accounts (free, 1–3 days). Reserve wires for situations requiring guaranteed same-day settlement.

Foreign transaction fee: Use a travel rewards credit card with no foreign transaction fee for international purchases instead of your Huntington debit card.

Is Huntington Bank Right for You?

Huntington makes sense if you:

• Live or work in Huntington’s core Midwest footprint
• Want zero monthly fees with zero conditions
• Occasionally overdraft and value the 24-Hour Grace and $50 Safety Zone protections
• Receive wire transfers regularly (free incoming wires)

Consider alternatives if you:

• Live outside Huntington’s primary footprint (ATM access becomes a real cost)
• Frequently overdraft by more than $50 (compare banks with $0 overdraft fees)
• Want to earn meaningful interest on savings — confirm Huntington’s current standard savings rate against a few online banks before assuming it’s competitive

For a full comparison, see Huntington Bank vs Fifth Third.

Related Guides

• Huntington Bank routing number 2026 — 044000024
• Huntington Bank minimum balance 2026 — $0 requirement
• Huntington Bank ATM limit 2026 — Allpoint network
• Huntington Bank checking account 2026 — Asterisk-Free account review

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.