Huntington Bank’s primary checking account, Asterisk-Free Checking, has no minimum balance and no monthly fee. It is permanently free without any direct deposit requirement. For customers who want premium features, Huntington Perks Checking charges $10 per month, waived with $1,000 or more in monthly direct deposits. Most Huntington customers are well served by Asterisk-Free Checking without any balance management.
Huntington Bank Account Minimums at a Glance
| Account | Monthly Fee | Minimum to Waive | Balance Method | Other Waivers |
|---|---|---|---|---|
| Asterisk-Free Checking | $0 | No fee | N/A | Available to all customers |
| Perks Checking | $10 | N/A | N/A | $1,000+ monthly direct deposits |
| Platinum Perks Checking | $25 | $25,000 combined | Average daily combined | N/A |
| Premier Savings | $4 | $300 | Minimum daily | Linked Huntington checking |
Asterisk-Free Checking
Asterisk-Free Checking is Huntington’s standard no-fee checking account. It carries no monthly fee and no minimum balance requirement, and it does not require direct deposit to remain free. The name reflects Huntington’s marketing commitment that there are no conditions, asterisks, or hidden requirements attached to the free status. The account includes a debit card, mobile check deposit, and access to Huntington branches and ATMs.
For most customers, Asterisk-Free Checking is the appropriate account. There is no financial benefit to upgrading to a fee-bearing account unless the specific features of Perks or Platinum Perks justify the cost.
Huntington Perks Checking
Perks Checking charges $10 per month, waived when total direct deposits for the statement period reach $1,000 or more. The $1,000 threshold is cumulative, meaning multiple smaller payroll or benefit deposits that add up to $1,000 satisfy the condition. Qualifying direct deposits include employer payroll, Social Security, pension, and government benefit payments. Peer-to-peer transfers and personal ACH transfers do not count.
Perks Checking includes additional benefits compared to Asterisk-Free Checking, such as out-of-network ATM fee reimbursements and identity theft protection features.
Huntington Platinum Perks Checking
Platinum Perks Checking charges $25 per month, waived by maintaining $25,000 or more in combined average daily balances across all Huntington Bank personal accounts. This includes checking, savings, and money market accounts. The account includes unlimited out-of-network ATM fee reimbursements and relationship rate benefits on certain Huntington products.
Huntington Savings Account Minimums
Huntington Premier Savings charges $4 per month, waived by maintaining a $300 minimum daily balance or by linking the savings account to a Huntington checking account. Because Asterisk-Free Checking qualifies as a linked account, most Huntington checking customers can maintain their savings account without a specific balance requirement.
Huntington uses minimum daily balance for Premier Savings, meaning the balance must stay at or above $300 on every day of the statement period. A single day below $300 triggers the $4 fee regardless of other days’ balances.
For current Huntington savings rates, see the Huntington savings account guide.
How to Avoid Huntington Bank Monthly Fees
The simplest approach is to use Asterisk-Free Checking, which has no fee and no minimum. For customers who want Perks Checking features, setting up payroll direct deposit of $1,000 or more per month waives the $10 fee automatically.
For a full overview of Huntington accounts and services, see the Huntington Bank complete guide.
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