[OH, MI, IN, PA, KY, WV & IL] Huntington Bank $200 Checking Promotion – Direct Deposit Not Required
Update 10/17/19: Deal is back and valid until January 7th, 2020. Hat tip to reader Three Monks
Offer at a glance
- Maximum bonus amount: $200
- Availability: Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia, Wisconsin
- Direct deposit required: Not required
- 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, 2016June 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, 2020
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, Wisconsi
- 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) 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
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You can change it over to the asterisk free account after getting the bonus to avoid the monthly fee.
Is this something you do over the phone?
I got this bonus twice in last 12 months and in my experience they do not change over the phone, instead they will ask you to visit branch and speak to a banker. But if you go via chat route, its instant. That’s how I did both the times.
I was able to convert over the phone. I applied back in 2016 and bonus posted in December.
Parked the $5K there until bonus posted then downgraded via phone about a month later. Wish I could do the chat option but didnt see it.
Phone rep was super friendly
Same experience as SS, called today to close the acct, rep couldn’t even find it linked with my SSN or even using the freaking account number from my online banking. She finally got an acct closure specialist on the phone who told me this acct can only be closed in branch…
But I was able to downgrade the acct via chat just now. She would not close the acct though via chat, said I have to visit a branch. Wondering if I can close my downgraded acct later on via phone?
Tell them you’ve moved to some location with no huntington branches.
I told that to the rep and they were able to close my account over the phone.
Player 2 and I were both able to product change over the phone.
I’ve been able to change the account over the phone and close it over the phone, both after normal business hours. Just closed an account with them over the phone last week.
I downgraded through the site chat function. Very easy.
Why downgrade instead of closing the account?
Is there any reason why we couldn’t pay the $25 and close the account after getting the bonus?
No
Here is my experience with them so far. I opened my account online yesterday. I tried to link an external bank in order to fund it but it didn’t work (it rarely does) so I set up small verification deposits and they already posted. Meanwhile, I checked my daily limit for transfers and it showed $2500/day plus 2-3 days of clearing. Knowing that the only option to avoid the monthly fee is to deposit and maintain $5000 as the average daily balance I called the customer service and asked them for their suggestion on how to proceed in my situation. The rep stated that they don’t have any grace period even for a new customer and she didn’t guarantee that they will wave the monthly fee for me. It looks like the fee is unavoidable and bearing in mind that the nearest branch is 5 hours away from me, I’ll most likely close the account today. It looks like too much hassle for me right away.
$2500/day, so you make two deposits two days in a row?
Additionally, the monthly fee is $5, eat it till you get the bonus, then switch to asterisk free checking as MArk O mentioned.
I really don’t understand what you are concerned about though?
How do you go about changing the checking account to an Asterisk account to avoid the fee?
You ask the bank, it won’t happen by magic.
If you live in Huntington’s target area, there are currently $250 and $300 mailers circulating with coupon expiration dates of April 22. You may want to search for one of these offers as there’s also no direct deposit requirement and it’s for their asterisk free (no-fee) account. Instead of parking 5,000 to avoid the monthly fee, you only need to deposit 5,000 and then can pull it back out.
Can anyone post data point? Thanks in advance.
I’ve received my bonus within the two weeks promised, if that’s what you mean.
Thanks. Another question: Do you downgrade account over the phone after receiving bonus?
I haven’t tried this yet, so I’m not sure how that works out. I haven’t decided yet if I want to do it over the phone or in-branch.
I am totally wowed and prpeared to take the next step now.
Adding a data point — I was able to easily transfer my account to asterisk-free on the phone at this number 1-800-480-2265 (their main customer service number). Took about 10 minutes.
I withdrawn all but $20 to my home PNC account. Will leave the $20 in account just in case for next 6 months then will withdraw and close account.
Andrew: how long did you wait after opening the account before changing to asterisk free account?
Thanks!
I waited until about a week after the bonus posted.
Both hubby and I got our bonuses within 5 days of depositing 1k. We are both transferring the $ out and closing the accounts.
The offer link appears to be dead 🙁
Thanks, updated.
This offer has been renewed through June 2016.
Thanks! Let me repost this with the new expiration date.
I don’t see that if you are a current customer that you can’t get this.
Data point for this offer. I opened it, did 1000 deposit, and got the bonus. I moved out all money and asked to close the account. A rep told me that I had to have 25 in the account for early account termination fee. I transferred 25 into it, and then called again. This time a rep told me that they cannot close an account with balance…I tried to downgrade to free checking, but the rep told me that I can only do this after 6 months. Finally I decided to just put 5000 into it and wait for 6 months.
Thanks
Maybe I just lucked out, I downgraded mine to the free checking version last week, using their online chat feature. Doesn’t hurt to ask. FWIW, I opened mine early March, so it’s only been about a month.
what documents are required
@chuck: I had the same experience as Winston mentioned above
Does ACH transfer from one of my accounts considered a “deposit”?
DP, I was able to painlessly switch it over to the no-fee account (Asterisk-Free Checking) over the phone. And an ACH from PNC counted as a DD.