[OH, MI, IN, PA, KY, WV, IL, CO, MN, SD, WI, NC, TX] Huntington Bank $400 Checking Promotion

Update 10/9/25: Application page now allows TX but promotion page doesn’t mention TX yet.

Update 9/29/25: There is also a $600 bonus that requires Platinum perks checking and a 25k deposit for 90 days.

Update 9/27/25: Deal is back until January 15, 2026. It has new anti churning language:

Encouraging Responsible Use: We encourage our valued customers to take advantage of cash promotional offers. However, to ensure fairness, we monitor for patterns of repeated use that may indicate misuse. Example: If you receive a cash incentive for opening a new business account and then another for a personal checking account, you may not be eligible for another cash incentive for any new accounts until 24 months have passed since the most recent payment. Preventing Abuse: Customers who open multiple accounts solely to receive cash incentives and then close them shortly after may be subject to this rolling 24-month limit. This helps us maintain the integrity of our cash promotional programs. Monitoring and Analysis: We use reporting tools to identify such patterns and make decisions based on careful analysis. This policy ensures that our offers are fair and benefit genuine customers. Huntington reserves the right to close an account at our discretion, prior to promotional requirements being met, and without a promotional payment if promotions abuse is suspected.

extended to july 7, 2025

extended to 6/9/25

Now requires direct deposit now.

Extended to February 7, 2025

Offer extended to October 7, 2024

Offer extended to June 7th, 2024.

Update 1/28/24: $800 bonus no longer available.

Update 10/26/23: $600 bonus has been increased to $800 with this link.

Update 10/2/23: Extended to 02/07/2024

Update 6/4/23: Extended until October 7, 2023.

Update 5/8/23: Extended until June 7, 2023.

Update 2/8/23: Extended until May 7, 2023.

Update 12/15/22: $400/$600 bonuses available again. Available in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin. $400 bonus requires direct deposit.

Update 11/17/22: Deal is back and has been increased to $400/$600. Hat tip to reader AA

Offer at a glance

Maximum bonus amount: $200
Availability: Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia (Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia for the $500 bonus)
Direct deposit required: Yes for $400 bonus
Additional requirements: Must be a U.S. Citizen
Hard/soft pull: Soft
Credit card funding: None
Monthly fees: $5, waivable
Early account termination fee: None
Household limit: None
U.S. Citizenship Required: Yes
Expiration date: ~~March 31st, 2016~~ ~~June 30, 2016~~ ~~September 30th, 2016~~ ~~January 31st, 2017~~ ~~April 30th, 2017 July 31st, 2017~~ ~~October 31st, 2017 January 7th, 2018 March 31st, 2018 June 30th, 2018 September 30th, 2018 December 31st, 2018 June 30th, 2019~~ ~~October 7th, 2019~~ ~~January 7th, 2020 April 7, 2021~~ February 7, 2023

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
4 Bonus History
5 Our Verdict

The Offer

Direct Link to offers

Open a Perks Checking account and receive a $400 sign up bonus when you receive a qualifying direct deposit within 90 days of account opening
Open a Platinum Perks checking account and receive a $600 sign up bonus when you make at least $25,000 in total deposits within 60 days

The Fine Print

$200/$500 bonus will be deposited within 14 days of meeting the requirements
Account must maintain an open account status for at least 90 days before it is eligible for the bonus payment.
Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships
This offer is not available to existing checking customers, including fiduciaries, or those with checking accounts closed within the last six months
Bank reserves the right to limit each customer to one new account related gift incentive per calendar year
This offer is only available to online applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Huntington Perks Checking Checking Account ($200 Bonus)

This account has a $10 monthly fee, this is waived:

with $1,000 in total monthly deposits or
with $5,000 in relationship balances from checking and savings

Huntington Platinum Perks Checking Checking Account ($300 Bonus)

The $25 monthly maintenance fee waived with $25,000 in relationship balances from checking and savings

Early Account Termination Fee

They used to charge an early account termination fee but that is no longer charged. Account does need to be kept open for 90 days and then within 14 days of that the bonus will post

Bonus History

Update 1/26/19: Deal is back and valid until June 30th, 2019. Hat tip to reader Pat
Update 10/14/18: Deal is back but only the $200 offer is available and a direct deposit is required. I wouldn’t recommend this bonus. Hat tip to YAR.
Update: When you click through it says the $15,000 in deposits must be maintained for 90 days. This makes the deal considerably worse.

Our Verdict

It’s sometimes possible to receive $350 targeted bonuses with no direct deposit requirement (and sometimes these are also sold on eBay) but this is the best public bonus they offer. We don’t usually see the $600 bonus and it looks like you just need make $25,000 in total deposits rather than having $25,000 deposited at one time. Keep in mind the $25 monthly fee, but it might make sense to go for the $600 bonus and just pay a few months of $25 in fees. If I lived within the target area I’d definitely go for this bonus as no direct deposit is required. It’s kind of a hassle to keep the account fee free even on the $200 bonus, but you could just suck up the $5/$25 monthly fee or close the account (after bonus posts, minimum of 90 days) if you didn’t want to park $5,000/$25,000 (you’d be better off putting that money into a high interest account in my opinion).

We’ve added this bonus to our list of the best bank bonuses. You can view people’s experience with this bonus last time it was available here.

Useful posts regarding bank bonuses:

Post history:

Update 10/8/22: Extended until February 7, 2023.
Update 6/8/22: Extended until October 7, 2022.
Update 2/6/22: Extended until June 7, 2022
Update 10/8/21: Extended until February 7, 2022.
Update 9/6/21: The $500 bonus is back and requires a $15,000 deposit instead of $25,000. Unfortunately you need to use an affiliate link to get this offer (we don’t use those). You can find one in the comments below. As long as the website is https://www.huntington.com/xxxxx then it’s legitimate. Looks like this promo is only available in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.
Update 7/10/21: Extended until October 7, 2021.
Update 6/21/21: When I open the link I see ‘llinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia’ when others open the link they see ‘Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia or Wisconsin’ Seems to have been extended to CO, MN, SD, WI. Make sure to check the terms on your offer to ensure your link says the same. It also says ‘If you live in Colorado, Minnesota, South Dakota or Wisconsin, please use the Huntington Mobile app or Online Banking on huntington.com to access your new checking account. Your account will be digital-only until TCF officially joins Huntington in June. If you live in any other state previously mentioned, you can also bank in person at any Huntington branch.’ Hat tip to Brian W
Update 4/8/21: Extended until July 7, 2021.
Update 2/18/21: $500 bonus is now $300. Requires a $25,000 deposit instead of $15,000.
Update 1/4/21: Extended until April 7, 2021. Hat tip to reader Mrs. Gee
Update 10/4/20: Extended until January 7, 2021. Hat tip to reader Kyle
Update 7/6/20: Deal has been extended until October 7th, 2020.
Update 5/7/20: $500 bonus is available again
Update 4/3/20: Extended until 7/7/20.
Update 1/4/20: Deal has been extended until April 7th, 2020. Hat tip to reader DP719
Update 10/17/19: Deal is back and valid until January 7th, 2020. Hat tip to reader Three Monks