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 adds 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 (Ohio, Michigan, Indiana, Illinois, Wisconsin, Kentucky, Minnesota, and Pennsylvania). If you live outside these states, 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
| Fee Type | Amount | How to Avoid |
|---|---|---|
| Asterisk-Free Checking monthly | $0 | No action needed |
| Perks Checking monthly | $10 | $5,000 combined balance OR unlimited deposit requirement |
| Platinum Perks Checking monthly | $25 | $25,000 combined balance |
| Overdraft fee | $15 | Use 24-Hour Grace; link savings account |
| OON ATM fee | $3.50 | Use Huntington or Allpoint ATMs |
| Foreign transaction fee | 3% | Use a travel credit card abroad |
| Outgoing domestic wire | $25 | Use Zelle or ACH instead |
| Incoming domestic wire | $0 | Already free |
| Outgoing international wire | $40 | Use Wise or similar |
| Stop payment | $31 | — |
| Returned item | $15 | — |
| Paper statement | $0 | Free |
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.
| Feature | Detail |
|---|---|
| Monthly fee | $0 — no conditions |
| Minimum balance | $0 |
| Overdraft fee | $15 (with 24-Hour Grace) |
| ATM network | Huntington + Allpoint (55,000+ ATMs) |
| OON ATM fee | $3.50 |
| Zelle | Included |
| Online/mobile banking | Included |
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
| Account | Monthly Fee | How to Waive |
|---|---|---|
| Huntington Relationship Savings | $10 | $300 minimum daily balance OR linked Huntington checking |
| Huntington Premier Savings | $10 | $300 minimum daily balance |
| Money Market Account | $25 | $25,000 average daily balance |
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 and 24-Hour Grace
Huntington’s 24-Hour Grace is the most consumer-friendly overdraft policy at any major US regional bank and requires no opt-in.
| Scenario | Outcome |
|---|---|
| Account overdrawn Monday evening | No fee yet |
| Balance restored positive by end of Tuesday | No overdraft fee ever charged |
| Balance still negative by end of Tuesday | $15 fee per item |
24-Hour Grace applies to:
- Checks
- ACH transactions
- Debit card purchases
- Any transaction that causes an overdraft
Maximum: 4 overdraft fees per day ($60/day cap) if the grace period is not met.
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 Chase or Wells Fargo, the same situation costs $34–$35 with no grace period.
Overdraft Fee Comparison
| Bank | OD Fee | Max/Day | Grace Period |
|---|---|---|---|
| Huntington | $15 | $60 | 24 hours |
| KeyBank | $20 | $60 | None |
| Citizens | $35 | $175 | None |
| Regions | $36 | $108 | None |
| Chase | $34 | $102 | Next business day |
| Wells Fargo | $35 | $105 | None |
| Bank of America | $10 | $30 | None |
Huntington ATM Fees
| Transaction | Fee |
|---|---|
| Huntington ATM | $0 |
| Allpoint network ATM | $0 |
| Non-network ATM (Huntington fee) | $3.50 |
| OON ATM reimbursement | $0 (none on Asterisk-Free) |
| OON ATM reimbursement (Platinum Perks) | Unlimited |
| International ATM | $3.50 + foreign transaction fee |
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
| Wire Type | Fee |
|---|---|
| Outgoing domestic | $25 |
| Incoming domestic | $0 |
| Outgoing international | $40 |
| Incoming international | $0 |
Huntington’s free incoming wire transfers — both domestic and international — stand out from most competitors, who typically charge $15 for incoming domestic wires. If you regularly receive wire transfers, this is a meaningful advantage.
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
| Fee | Amount |
|---|---|
| Stop payment | $31 |
| Returned deposited item | $15 |
| Cashier’s check | $6 |
| Money order | $0 (free at branches) |
| Paper statement | $0 |
| Debit card replacement (standard) | $0 |
| Debit card replacement (expedited) | $25 |
| Foreign transaction fee (debit) | 3% |
| Account closure fee | $0 |
How to Avoid Huntington Bank Fees
Monthly fee: Use Asterisk-Free Checking — there are no conditions and no fee, ever.
Overdraft fee: Two options:
- Link a Huntington savings account for free automatic overdraft transfers
- Let 24-Hour Grace work — deposit enough before end of next business day
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.
Huntington Fees vs. Competitors
| Fee | Huntington | Chase | Wells Fargo | Ally | Capital One |
|---|---|---|---|---|---|
| Monthly (standard) | $0 | $12 | $10 | $0 | $0 |
| Overdraft | $15 | $34 | $35 | $0 | $0 |
| OON ATM | $3.50 | $3.00 | $2.50 | $0 | $0 |
| Incoming wire | $0 | $15 | $15 | $0 | $15 |
| Outgoing wire | $25 | $30 | $25 | $20 | $30 |
Is Huntington Bank Right for You?
Huntington makes sense if you:
- Live or work in Ohio, Michigan, Indiana, Illinois, Wisconsin, Kentucky, Minnesota, or Pennsylvania
- Want zero monthly fees with zero conditions
- Occasionally overdraft and value the 24-Hour Grace safety net
- 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 (Ally and Capital One charge $0 in overdraft fees)
- Want to earn meaningful interest on savings (online banks pay 4–5% APY vs Huntington’s standard rates)
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 — $400/day, Allpoint network
- Huntington Bank checking account 2026 — Asterisk-Free account review
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