Posted by William Charles on May 2, 2017
Bank Account Bonuses

Published on May 2nd, 2017 | by William Charles


[Expired][OH, MI, IN, PA, KY, WV, IL & WI] Huntington Bank $500 Fast Track Business Checking Bonus, In Branch

Offer at a glance

  • Maximum bonus amount: $500
  • Availability: Ohio, Michigan, Indiana, Pennsylvania, Kentucky, Illinois & Wisconsin and West Virginia. Must open in branch [Branch locator here]
  • Direct deposit required: None
  • Additional requirements: Deposit at least $5,000
  • Hard/soft pull: Soft
  • ChexSystems: No
  • Credit card funding: None
  • Monthly fees: $20, waivable
  • Early account termination fee: Bonus forfeit, six months
  • Expiration dateDecember 31st, 2016 January 15th, 2017 March 31st, 2017 June 30th, 2017

The Offer

Direct link to offer

  • Open a new Huntington Fast Track Business Checking account by June 30th, 2017 and make deposits of at least $5,000 within 60 days of account opening and receive a bonus of $500

huntington bank


The Fine Print

  • Your $500 bonus will be deposited into your new business checking account within 14 days of meeting the above requirements.
  • Unfortunately, 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.
  • Checking account must remain open for a minimum of six months or an Early Account Closing Fee will apply.
  • Remember, for tax purposes you will receive a Form 1099-INT from us for your cash bonus.
  • his offer is only available to applicants residing in Ohio, Michigan, Indiana, Pennsylvania, Kentucky and West Virginia.

Avoiding Fees

$20 Monthly Fee

This account comes with a monthly fee of $20, this is waived if you have an average collected balance of $5,000 for the monthly statement period or $30,000 in Total Relationship balances.

Early Account Termination Fee

This account needs to be kept open for a minimum of six months, otherwise you will forfeit the bonus.

Our Verdict

This is a pretty good bonus (as is the $200 personal checking bonus they offer). You’d need to tie up $5,000 for six months to get the bonus and avoid the monthly fees, or you could just deposit $5,000 and withdraw it and pay the $20 monthly fee (you’d be paying around $120 in fees that way). This is definitely one of the best business checking bonuses currently available. The biggest downside to this bonus is that you need to open it in branch. Please share your experiences in the comments, you can view what business documentation is required here.

Useful posts regarding bank bonuses:

135 Responses to [Expired][OH, MI, IN, PA, KY, WV, IL & WI] Huntington Bank $500 Fast Track Business Checking Bonus, In Branch

  1. NoonRadar says:

    Fine print doesn’t specify the stated limitations are only for business checking accounts, so even if you didn’t have a business checking with Huntington in 2016, they’re covered to deny the bonus based on the fine print.

    • Peter says:

      Yeah I’m a bit unsure of how to interpret the “including fiduciaries” part. “this offer is not available to existing checking customers, including fiduciaries”. I’m assuming that as a manger of the organization’s money, I’m its fiduciary and hence ineligible. So if I’m one of 5 officers of an organization, we open an account with another officer (not a current Huntington customer) as the primary signer, and I (a current Huntington customer) sign as the secondary signer. Would they deny the bonus then since one of the signers is a customer? To be safe maybe I should have two of the other officers sign and stay off the paperwork?

      • NoonRadar says:

        Most important thing here is whether or not their computers are coded to exclude bonuses for SSNs that had ANY checking account with Huntington in the past 6 months or had ANY checking-related bonus in 2016. If they are not, the bonus will post and the judgment of Huntington bankers is pretty much irrelevant.

        Their bonuses post automatically without issues if the account is coded to receive one, and 14 days is not a long time to wait. If someone decides to try we’ll find out soon. I’m holding off trying because I’ve had too many Chexsystem inquiries this year (north of 20 prob). Otherwise I would have taken the plunge sooner rather than later, risking a Chex inquiry for $500 to make sure Huntington doesn’t adjust the bonus terms later on if a bunch of people do this.

        • Peter says:

          Ok interesting. So if it’s based on SSN, then there shouldn’t be an issue provided you have a unique EIN for your business. I looked at signing documents for a different business account I opened earlier, and the SSNs for the signers aren’t recorded, only the business EIN. So as long as you have a unique EIN you should be in the clear. Will try next week. Thanks!

          • NoonRadar says:

            I’m just making an educated guess, I don’t know this for a fact, but I’m thinking that since the SSN is a unique variable it might be what banks tie the bonuses to in these scenarios.

            Technically speaking, they can code their computers to look for SSN alone, or SSN + type (business vs personal) checking account, or any other combinations.

  2. Mark says:

    I have a personal checking account with them, but no business account. Am I qualified for this offer? Thanks.

  3. Ken says:

    “Unfortunately, this offer is not available to existing checking customers, including fiduciaries, or those with checking accounts closed within the last six months.”
    Does this mean that if I already have a personal checking account, I will not be qualified for this offer?

    • Rog says:

      What is it you don’t understand? You say you “already have a personal checking account.” The offer is “not available to existing checking accounts.”

  4. bob says:

    can i close my current checking account i have with them, and then reopen business account before Dec 31st and be eligible for the bonus?

  5. Will says:

    Hi! I am new to this. Do you need to be a business owner to open this account? What if I don’t have a business?

  6. Don L says:

    I’ll give it a try and report back.

  7. Walter T. says:

    Opened an account in branch today. Already have a personal checking (opened recently with $200 bonus) and another business checking account opened 2+ years ago. Could not get a definitive answer from branch rep (with 28 years of experience) on whether I qualify for the bonus or not. So, the 14 day clock starts now…

    • Corey says:

      Please report back, hopefully you’re the DP we all want to see.

    • Alex says:

      Did you need any documents to proving business registration when opening?

      • peter says:

        see this page for requirements by business type. easiest way is to set up as a sole proprietership – looks like you should be able to get by without any specific business docs, but they could question it.

      • Walter T. says:

        I can’t tell you what their requirements are. I always bring my articles of incorporation and proof of my federal tax ID along with personal ID so there is no question about the validity of my identity or ownership of the business. I have real, operating, profitable businesses to open these accounts for.

    • Walter T. says:

      Called and got online access for my new account established today and found that the $500 bonus was paid on 10/18/16, just 4 days after establishing the account in-branch and writing them a check from a business account at another bank. I find that to be consistent with their rapid pace of bonus payment on the personal account opened earlier this year. So, the question of whether or not having an existing personal or business account for a different business with a different Federal Tax ID matters is answered.

    • Walter T. says:

      To be clear about my circumstances. I have a personal checking with Huntington that I opened earlier this year and got a bonus on. I have an LLC with a Federal Tax ID that established a checking account with Huntington 2 years ago or so and that account remains open. (I actually use it.)

      On the 14th I opened a new business checking account for my S-Corp that has a different Federal Tax ID from my LLC (obviously, but it merits stating for those unfamiliar).

      For business accounts banks typically do take the SSN of the person opening the account. Huntington could very easily use the fiduciary clause in their bonus terms to deny the bonus based on having given me a bonus earlier this year on a personal checking account. Wisely, they’ve not restricted the bonus in that way in practice.

      So, if you have separate Tax IDs, have at it. They’re handing out candy over there.

      • Steve says:

        Thanks for the full report! I’m going to head there tomorrow to do the bonus too.

      • Dan T says:

        Thanks. I suppose question remains if a sole proprietorship (tax ID=SSN) would get the bonus with a personal checking account already opened under the same SSN?

        • stacker says:

          I also would like to know this.

          • fritzkib says:

            I got the bonus almost immediately upon $5000 deposit and had cancelled a personal checking account last year under the same ss#. I used the same s# for a sole proprietorship for the business checking.

  8. Steve says:

    10/25/16 Opened and funded with $5k
    11/1/16: Bonus Posted!

    Have an LLC and brought in IRS letter showing EIN and an additional State document. Easy process overall. Now I just have to wait the 6 months and close it out.

  9. leely says:

    Any update on this, especially if you have had a checking account with Huntington before, can you use the same SSN to open up the business account and get the bonus?

    • DL says:

      I opened an account today as a sole proprietor under my personal SSN, and I have an existing personal checking account with Huntington under the same SSN. The banker claims to have researched this and that I would still be eligible for the bonus because it is my first business checking account with them. I will report back hopefully next week if I see the bonus. Looks like the latest offer goes until Jan 15, 2017 so still plenty of time to sign up.

      • leely says:

        Thanks! Look forward to hearing about your DP.

        • DL says:

          Bonus posted on 12/29

          • J says:

            What kind of info did they ask for? Revenue, type of business etc?

          • DL says:

            Yes they asked about the nature of my business, revenue, etc. Note that my ‘business’ is essentially just some consulting I rarely do outside my W2 job and doesn’t amount to much. But before anyone thinks the ‘i sell things on ebay’ reasoning will work like with getting business credit cards, in my case they wanted to see last year’s Schedule C from my tax return proving I had business income. Fortunately I had that.

  10. Tim says:

    1/4/17 – $5000 ACH transfer from Chase checking account
    1/10/17 – $500 bonus posted

    Easy money.

  11. Chris says:

    DP – Opened in branch as a Huntington customer already, told them I sell stuff online / flea markets / shows etc, and that was enough to get approved.

    AND was able to use my Huntington HELOC special rate checks to fund the $5K. I know that will cost me about 10.39 $ a month… NOT sure if the ‘HELOC’ Account counts towards the $30,000 in Total Relationship balances… be sweet if it did, ill move money out after one or two months to test it.

  12. Corey S says:

    Are you allowed to change the checking account to a Community Checking account after the bonus posts, but before six months are up to avoid the 5,000 minimum balance requirement to avoid monthly fees? Or will the bonus be revoked if you do this?

  13. J. Sarayda Shapiro says:

    I just checked the offer page, and it says this deal is now available until March 31, 2017. Very helpful to people who closed a Huntington account a little less than six months ago!

  14. Bodiddely says:

    If you don’t live in one of the states where they have branches but you visit a branch, can you still open account and get the bonus?

    • Peter says:

      Not unless you can provide an address in one of the states. “This offer is only available to new business checking customers residing in Ohio, Michigan, Indiana, Pennsylvania, Kentucky and West Virginia.”

  15. lumangoy says:

    I think huntington has black listed me on personal accounts.

    When I tried to reopen an account online it was immediately closed.

    Anyone know if I will be able to open a business account?

    • NoonRadar says:

      My guess is depends on the reason of why they blacklisted you. Let’s see if others have similar precedents with Huntington, or even other banks.

      • lumangoy says:

        When I was hammering the WF CC, I don’t think they liked that I immediately transferrerd the MOs I deposited! I’ve learned since then 🙂

  16. Amol says:

    New branch opened right next to me :D. Opened a biz account, transferred $5k, got $500 within 1 week.

  17. Moose Cow says:

    This one has also been updated to include Illinois and Wisconsin.

  18. Bob says:

    Interested in both the personal and buisness bonus. I have an LLC. Will I be able to open both at the same time and get both bonuses?

    Thanks in advance!

  19. Aks says:

    I was unsuccessful opening new business checking account in branch where the business account manager did not knew how to open sole proprietor account. I think she was playing with me…
    couple of followup did not yield any results.

    Any data point on opening business checking account online or over the phone?

  20. Annex1982 says:

    I just wanted to report that I was able to open a Fast Track Business Checking with my own name and my SSN. I told them that I’m a sole proprietor on the business. The banker asked me several questions about the business (i.e., revenues, expense, how long I’ve been owning the business) as part of the opening process and I told what I know.

    Funding the account now with $5K and will report back when the bonus is posted.

    • annex1982 says:

      Bonus was posted in 12 days. I opened on 03/10/17 and bonus posted as of yesterday.

      Definitely one of the easiest bonus you can get!

      Thanks Doc!

  21. Jeremy says:

    I was able to open an account under sole proprietorship, same questions as above data points. How do you get this account online? can’t seem to get it set up

  22. PD says:

    Anyone know for how many initial months/statements they might waive the fee?

  23. Travelmom says:

    Has anyone here downgraded or closed the account before the 6 months is up?

    I’m going back to the branch tomorrow to open. They are requiring me to have a DBA form for a sole proprietorship.

    • PD says:

      YMMV, of course: When I opened mine they also wanted proof of the business. I took in a copy of my Schedule C and she had me sign at the bottom of it, and that was sufficient.

      Also wondering about downgrading.

    • MarcoPolo says:

      I don’t understand them requiring DBA form for sole proprietorship.
      Sole proprietorship does not require a DBA form unless you are using a name that is different from your own name.

  24. Josh says:

    Can you apply and get both the Business and Personal ( offers at the same time / same day?

  25. Travelmom says:

    Opened the business account in branch and deposited $5k while there. Be comfortable answering questions about your business. Was able to open account with ssn card and DBA form.

    Banker said that after receiving bonus, it’s no problem to downgrade the account and keep the bonus. Also encouraged me to find the personal checking bonus and open that as well.

    Loving this bank! After the bonus posts, I intend to downgrade, will report back with results.

  26. Riba says:

    I was also told that I would receive the personal checking bonus too but I told him to verify and when he called customer service they told him I can only get the business bonus and not personal at same time!!

    Any DP of people getting both?

    • Frank says:

      Banker at my branch said only one bonus per SSN. So I took the business bonus

    • MJG says:

      I got both. No problem. Banker who signed me up knew that I already had personal with bonus because I told her. Business bonus was posted by this morning. Probably a case of different bankers interpreting the wording of the bonus differently since the words would seem to indicate that you couldn’t get both. But other bankers just want the commission for signing you up and don’t care, and we know that the back end isn’t going to stop you!

      If you got the business bonus in branch, I would now go and do the personal bonus online. I wager you’ll get that one too.

  27. Frank says:

    Just spoke to a banker to open the $500 in Illinois. She mentioned that the $500 promo wasn’t suppose to be marketed until April due to Huntington recently acquiring First Merit but people have been coming in with them. So I imagine this will be extended into April as she said that supposedly in April they will begin aggressively marketing this. I live in Illinois

    • A says:

      She is giving you runaround.
      The offer term has Illinois and Wisconsin included into it. I got different run around at two different suburban branches. My experience in downtown branch is much pleasant.

  28. MJG says:

    Looks like this contradicts some other DPs but I opened this one this morning at a Chicago area branch, and it was the easiest and quickest account I have ever opened in person of any type, by far. Literally not a single question about my income (either for the business directly or overall), planned banking activities, nothing. Didn’t even ask for a second ID, just driver’s license. The only thing they asked is what I did for my business. No DBA or other documentation required since it is a sole prop in my name only. I do have an EIN but I’m honestly not even sure if they used it. I did do the personal checking online a couple of months ago with the $200 bonus, but banker said nothing about that in terms of that DQing me for business bonus. Banker was pleasant and told me to tell all my friends to do it for the $500 as she recognized it as an amazing deal.

    • Matthew says:

      Which branch was it? The one I went to in Aurora was a no go. Said I needed dba paperwork. Didn’t have time to try Naperville. Might give them a call since I still have the code.

      • MJG says:

        Good ole Cicero. They asked about dba but when I said it was a sole prop under my name only they said that was fine.

        Btw: add me as a DP that you can get the $500 business bonus in addition to the $200 personal, which I got last month. Called this morning and my business balance already includes the $500 less than a week after opening. You have to call in to make it happen but you can even have your business checking and regular checking under the same online login.

      • A says:

        Call Naperville branch before you drive. They have recently changed their mind.

  29. Shifty Sam Salad says:

    Expired. Webpage still alive but shows March 31st, 2017 and emailed coupon says Promotion Expired where the code should be.

    • Aks says:

      Today I received a call from local IL branch manager who previously could not open an account for me has suggested the promotion is still running for short time. He did not mentioned how long and do we need to have promotion code previously generated?
      Interested person can check with local branch to see if you can get this deal.

  30. Aks says:

    Any Data point on downgrading account to Community Business Checking account (no monthly maintenance fee and no minimum account balance) after receiving bonus?

    • MJG says:

      This is my plan come May but haven’t tried it yet.

    • travelmom says:

      I called and spoke to a business account rep, put me on hold for awhile, came back and said that she consulted with some of her colleagues, and they were not sure if the bonus would be taken back if she downgraded my account.

      But, she said to call and talk to the banker that opened the account for me, as it would be up to the issuing branch if you would get to keep the bonus.

      When I had opened it, the banker had said it would be no problem to downgrade it and keep the bonus. So my plan is to wait for my next statement, and downgrade then by calling the bank directly.

  31. MJG says:

    FYI this deal is live again through June 30 and includes IL and WI explicitly now.|189718147813|%2Bhuntington%20%2Bbusiness%20%2Bbanking|b|slid|

  32. Landon says:

    Is a “collected” balance different from an account balance? The T&C seem say this: “Collected funds are those for which we have received final payment from the financial institution or entities upon which the checks are drawn.” To me, that implies you have to deposit $5k monthly to avoid fees, or you can have a $30k total relationship balance.

    Am I reading that wrong?

  33. Jerry says:

    I have an existing asterik free checking account with huntington. Do I still qualify for this business account?

    • Joe says:

      Yes. I did and got the bonus.

      • Jerry says:

        I should have clarified properly earlier..
        I recently got $200 checking bonus on an ongoing promotion and then converted to asterik free checking to avoid fees.
        Do I still qualify for another bonus with this business checking account?

  34. Josh says:

    Can anyone suggest a friendly Chicago location? I do have an EIN since 2015 but no other “official” documentation

    • A says:

      Chicago downtown lasalle street will be friendly branch. But all of them will need ” Assumed Business Name Registration” for using EIN. Opening a/c with an SSN will be an easy option.

    • MJG says:

      I went to Cicero. I gave them an EIN but I am not sure they used it. They just asked if I went by another name and I said no and so they didn’t ask for that document. It was the easiest I’ve ever done this. They didn’t even ask what my projected income was.

  35. Seriously? says:

    Which one of you is claiming their business is selling Huntington $500 business checking printouts on eBay?

  36. andrew says:

    DP: In Pittsburgh, went to a Huntington branch. All I needed to say is what my “business” was. No other information about it. All they needed were my 2 forms of ID. Very ez to open. Already have personal account w bonus, will update when I get this bonus.

  37. PD says:

    Who here has downgraded successfully, and how did you go about doing it? When I called the business line, they said it couldn’t be downgraded to Community Business because I’d gotten the promotion that required Fast-Track Business. I’m fast approaching my final statement period with waived fees.

    • MJG says:

      I did this maybe 4-6 weeks ago. They didn’t say anything about that and were happy to downgrade me. May be that they realized this loophole and then closed it.

      • PD says:

        Huh. Did you call the general banking number or the business number?

        • MJG says:

          I actually talked to both, as I downgraded a personal checking account too the same day after I’d down the 5 checking bonus. When I called the general line and had a question about business they transferred me to that dept.

    • travelmom says:

      I was told it has to be done by the branch where you opened it. That’s what I did, just emailed the banker and it was taken care of.

  38. Ryan says:

    Got this today. Banker originally said I needed EIn, but I explained that the promo specifically said that’s not required.

    Opened with my SSN and language specifically only excludes people with “business checking” accounts in the last 6 months.

    I plan on putting 5k in there in the next few weeks and basically daring Huntington not to give me the bonus. The language could not be clearer.

    Then I will downgrade and close, and open a new one 6 months later.

  39. andrew says:

    opened 5/15, deposited $5k 6/2, got bonus 6/6

  40. Bob says:

    Downgraded to Community Checking after getting $500 bonus. Account had been open for 1 month. Called 1-800-480-2001. Told them I wanted to downgrade. They asked a couple verification questions and sent me a code to read back to them. No questions asked why I was downgrading. Nice guy. Change was immediate when I logged into my account.

  41. Jamie says:

    Hi, discovered this amazing site last month and trying to read up on all the info (I’ve done checking bonus here & there but now I want to jump in). I’ve been skipping over the Business Account bonus since I assumed its not applicable to me, but the comments made me think …maybe.

    So I do have an old S-Corp ergo EIN, but its not even in good standing in IL(no annual report filed/fees paid etc). Can I use this? Also can I deposit the $5K from my personal checking account and later withdraw it?

    Or should I just open a Sole Proprietorship to keep from “Piercing the corporate veil” on the S-Corp(still have lingering issues to work out)

    • Sole prop would probably work better.

      • Jamie says:

        Is it still ongoing?

        I have a few more questions since I would like to take advantage of a similar deal in the future. Sole prop means the name of the company is my name, so then I can go to irs page and apply for an EIN?

        So taking $5000 from my personal checking and using it for the bonus and then taking it back ..should be ok?

        • I wouldn’t use it for funds already on deposit with Huntington. Offer also looks expired unless anybody has a working link?

          • Jamie says:

            Hi Will.

            I meant taking $5K from my personal checking at another bank to deposit in the new business account, leaving it for the XX months required and then closing the account. When I close the account, the $5K can be transferred back to my personal account, right? And the bonus… not sure if it has to stay separate?.

            Again, I’m asking not necessarily for Huntington deal, but for future Business checking deals. Thanks in advance

          • Hrm, I think that would be fine.

  42. Rox says:

    Sharing my experience.

    I sell stuff on eBay but I don’t have any business documents.Decided to open as a sole prop. First two branches insisted that they need a DBA certificate. They confirmed that SSN is good enough and EIN was not required for sole prop but mentioned DBA certificate was mandatory. I thought I’ll try the 5 branches in the 5-mile radius vicinity. The banker in the 3rd bank also asked for DBA certificate but I told him I don’t have. He said ok and started the application on his screen. After a couple of clicks, he reached the “required documents” page and read it loud. DBA certificate and EIN was an optional document. Successfully opened the account. Branch address: 6705 Orchard Lake Rd, West Bloomfield Township, MI 48322

    TDLR: Successfully opened the business checking account as sole prop with only SSN and DL despite two branches insisting that I need to submit DBA certificate,

    • mike t says:

      Good to know. Thanks a lot. I went to the huntington bank at 12 mile and evergreen, southfield michigan. (20000 Twelve Mile Rd, Southfield, MI 48076). banker there told me even though i had an EIN, I needed my business to be registered with LARA. LARA being state registry. I told her I’m a sole proprietorship that resells I don’t need to be on LARA. She told me I’m not eligible then. Time to go to west bloomfield.

      • pmh says:

        Confirming (at least as far as I can tell right now) Rox’s experience. Was able to open a Fast Track Business Checking account using the bonus coupon, without EIN or Assumed Name certificate. This was at the Cermak branch in Chicago. I have a personal account with Huntington also and the banker was able to pull all of the necessary information over from that account.

      • Rox says:

        Christopher Bocker is the person who did my application at West Bloomfield.

  43. Zachek says:

    Can anyone chime in on what, if any, documents they might require as proof of address? I’m assuming most of you who’ve got the bonus live in the applicable states (and therefore likely have state ID’s,) but has anyone with mere access to an address (a la a family member) in one of those states successfully opened an account and got the bonus? I’m visiting Chicago this week and wanted to try for this and the checking bonus if possible.

  44. Ryan says:


    – opened with no documentation in Chicago
    – deposit $5k on 6/16, $500 bonus on 6/27
    – got Huntington personal bonus within the last six months, so I can confirm that this bonus will post in spite of that

    I am going to churn the HELL out of this one. Closing this as soon as possible and re-opening in 7-8 months.

    Super easy money.

    This website is the best.

  45. Jake N says:

    6/29 – opened in Chicago with $15 deposit
    7/3 – $5k ACH from Ally
    7/11 – $500 bonus posted

  46. Information Booth says:

    I opened a business account the third week in June. The banker told me that my SS# wasn’t enough to open the account. I had to bring in a physical copy of my EIN paperwork. I did so and the bonus posted about 5 days after I finished putting the $5000 in the account. Love in Christ

  47. hua says:

    Opened account on June 28, deposited funds on July 3, bonus posted on July 11. Called today to convert to Community Business Checking. Account converted without any problems.

  48. Jake N says:


    7/17 – Opened in Chicago branch. Didn’t ask me for my business name as a sole proprietor
    7/20 – $5k ACH from Ally
    7/26 – $500 bonus posted

    Will try to downgrade this as well soon.

  49. Cam says:

    If you downgrade the account within 60 days of receiving the bonus they will clawback the $500.

    You’ll have to eat the 2 months of account fees before you can downgrade and there seems to be no way around it from my understanding.

    Does anyone know any other options?

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