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
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:Â Not required
- Additional requirements:Â Must be a U.S. Citizen
- Hard/soft pull: Soft
- Credit card funding: None
- Monthly fees:Â $5, waivable
- Early account termination fee:Â None
- Household limit:Â None
- U.S. Citizenship Required: Yes
- Expiration date:Â
March 31st, 2016ÂJune 30, 2016September 30th, 2016January 31st, 2017April 30th, 2017 July 31st, 2017October 31st, 2017 January 7th, 2018 March 31st, 2018 June 30th, 2018 September 30th, 2018 December 31st, 2018 June 30th, 2019October 7th, 2019January 7th, 2020April 7, 2021
Contents
The Offer
Direct Link to offers: $200 bonus or $500 bonus
- Open a Huntington 5 Checking account and receive a $200 sign up bonus when you make total deposits of at least $1,000
- Open a Huntington 25 checking account and receive a $500 sign up bonus when you make at least $15,000 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 5 Checking Account ($200 Bonus)
This account has a $5 monthly fee which is waived if you have a relationship balance of $5,000+ per month.
Huntington 25 Checking Account ($500 Bonus)
This account has a $25 monthly fee. This is waived if you have a relationship balance of $25,000+ per month.
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)Â but this is the best public bonus they offer. We don’t usually see the $500 bonus and it looks like you just need make $15,000 in total deposits rather than having $15,000 deposited at one time. Keep in mind the $25 monthly fee, but it might make sense to go for the $500 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:
- A Beginners Guide To Bank Account Bonuses
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
Hat tip to Maximizing Money
Post history:
- 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
For Huntington 25 bonus, I had over 25k on Monday, 5/16/22. Good to withdraw 24.5k+ next Monday, 5/23 ?
mothman69
P2 DP. P1 was closed a couple weeks in and banned….
1/21 – Opened
3/8 to 3/17 – many 1-2K pushes for 15K
4/13 – Fee
4/26 – Bonus $500 (2nd time Churning same promo) Note: They Banned P1 though…
4/28 – Live chat to get fee reversed and downgraded to Asterisk free checking
I never got the bonus after meeting the requirements, should I call customer service?
Opened account: 1/15
Deposited $1,001: 1/21
Removed $976: 2/01
Thanks!
Yea looks like the bonus hit sometime yesterday for me. So within that 104 day period
I too opened my account on 1/15. I think all of my money was in by 2/19. No bonus yet. Got hit with first $25 fee on 4/13. I have over $1000 in just in case.
Have you received your bonus yet?
anyone have a link to the 500 offer?
I think they may be gone now. The one I used for myself last year now directs to the $300 offer.
Hey everyone, just a heads up on the language Huntington’s customer service reps are using. They are referring to closing your account and opening a new one as “changing your account number.” Remember you can only churn these every so often so if you close and open again, the time period for churning starts over. Why would someone do this? Well, I found out the hard way the Huntington is very lacking in security. Someone tried to use my account number to pay their credit card at a bank I don’t bank at all. Never even did a churn with that bank. Thankfully I had no money in my Huntington account at the time and I had not set up overdraft protection so Huntington returned the payment and charged me a $36 “return fee” and suggested I go to the local branch and “change your account and routing numbers.” At first I though this sounded like it was going to use the SAME account and just put a new number to it, so the time frame would all be the same, but when I talked to a supervisor about blocking this person trying to take money from my account, she told me that “changing your account number” meant closing the account and immediately opening a new one. Why would they use the “change your account number” language if they were not trying to trip up churners? Can you think of any other reason for it? I’ve churned Huntington accounts a few times now, maybe it’s just me? Anyway, be very careful of this bank. They are very disorganized and in all the years I’ve been banking (and churning) over multiple banks and credit unions I’ve never had someone somehow get my account (and Huntington claims their routing numbers are unique to each account, although that’s obviously nonsense since my spouse’s account with them has the same routing number I do) number and try to use it to pay a credit card. For this account I never used it to write checks (which I know has the account and routing) or to pay for anything but my mortgage which is also at Huntington. Huntington said it must have been someone who has a Huntington account and they accidentally put in the wrong number at their other bank. I suppose it can happen but when I asked them to find and contact… Read more »
How can anyone just accidentally use my account number without having my password too? I use strong passwords with random combinations of letters, numbers and symbols. Anyone can get access to account and routing numbers if they have a check of yours right? It would be way too easy for scammers to steal money by simply having an account number, right? Someone inside of Huntington has to be behind it. Need to beware of this bank. I’ve never had anything like this happen.
Got money on both Business and Personal. Took 97 days to so. Downgraded before any irreversible fees hit.
Easiest $1,300 so far!
Received $500 + fee refunded.
11/24/21 – opened account with affiliate link. I received a PDF confirming terms.
12/7 – deposited 10K
12/9 – deposited 5K
12/28 – withdrew almost all cash
2/10/22 – charged $25 fee
03/01 – $500 bonus posted
03/03 – called customer service. They refunded the fee and downgraded to free checking account.
Did anyone receive the 1099-Int for Year 2021 bonus? I got the $500 bonus last year, but haven’t received the 1099-Int in the mail, and couldn’t find the 1099 form online either.
I received a 1099-INT for 2021 from “The Huntington National Bank.” The letter came with two papers, the first one only having my name and address and otherwise being blank. The second letter was the actual 1099-INT. They combined the interest I made on the account ($6) with the $500 bonus.
Thank you!
11/14/21 Open 25 Checking online
————-first 2 months fee waived
2/10/22 $25 fee hit but waived after to chatting with them
2/15/22 $500 bonus posted
2/16/22 while in process of downgrading via chat, got a call from them confirming the downgrade and trying to talk me out of it
This is my second time churning $500 bonus. The process is always smooth and simple (other than that phone call out of nowhere).
11/8 – Opened Huntington 25 Checking with affiliate link, funded $25
11/15 – Completed $15k deposit
11/26 – Withdrew $14,980
02/08 – $500 bonus
02/10 – Statement closed; $25 fee charged
02/12 – Went to branch and got fee reversed; downgraded to Asterisk-Free Checking
For P2:
11/29 – Opened Huntington 25 Checking with affiliate link, funded $25
12/02 – Completed $15k deposit
12/15 – Withdrew $14,950
02/10 – $25 fee charged
03/01 – $500 bonus
03/02 – Live chat and had $25 fee refunded. Downgraded to Asterisk-Free Checking.
I typed ‘downgrade account’ in the chat during business hours and got an agent after short wait.