Published on January 2nd, 2020 | by William Charles

[OH, MI, IN, PA, KY, WV & IL] Huntington Bank $200/$400/$750 Business In Branch Checking Bonuses

Update 1/2/20: Extended until April 7, 2020. Hat tip to reader Kyle

Update 10/10/19: Deal is back and valid until December 31st, 2019 (note the fine print on the landing page says 9/30 but when you e-mail yourself a code it says December 31st, 2019). $750 bonus only requires a deposit of $20,000 instead of $25,00 now as well. Hat tip to reader Mystique

Update 01/06/19: Valid until April 15th, 2019. Hat tip to reader YAR

Offer at a glance

Maximum bonus amount: $300/$500
Availability: OH, MI, IN, PA, KY, WV & IL. In branch only [Branch locations]
Direct deposit required: No
Additional requirements: Deposit $5,000/$25,000
Hard/soft pull: Soft
ChexSystems: No
Credit card funding: None
Monthly fees: $20-$30, avoidable
Early account termination fee: 180 days, bonus forfeit
Expiration date: ~~September 30th, 2017~~ ~~January 7th, 2018~~ ~~March 31st, 2018 June 30th, 2018 September 30th, 2018~~ ~~December 31st, 2018~~ ~~April 15th, 2019~~ April 7, 2020 July 7th

Contents

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

The Offer

Direct link to offer

Huntington Bank is offering a bonus of $750 when you open a new accelerated business checking account in branch using a coupon. Requirements are as follows
- Make cumulative deposits of at least $20,000 within 60 days of account opening
Huntington Bank is offering a bonus of $400 when you open a new Fast Track business checking account in branch using a coupon. Requirements are as follows:
- Make cumulative deposits of at least $10,000 within 60 days of account opening (was previously $5,000)
Huntington Bank is offering a bonus of $200 when you open a new Community business checking account in branch using a coupon. Requirements are as follows:
- Make cumulative deposits of at least $2,000 within 60 days of account opening

The Fine Print

To be eligible for this offer, click Email My Coupon from this page, so that the promotion code is claimed at time of account opening. This offer is only available to applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia or Wisconsin
To qualify for the $750 cash bonus, you are required to open a new, qualifying Huntington Accelerated Business Checking account during the promotional period between April 1, 2018 and June 30, 2018, make cumulative new money deposits into the checking account of at least $25,000 or more and make at least 30 transactions within 60 days of account opening.
A transaction includes any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases, and bill payment transactions made through Huntington’s Online Bill Pay service.
Account must maintain an open account status for at least 90 days before it is eligible for the bonus payment
Your $750 bonus will be deposited into your new business checking account within 14 days of meeting all of the above requirements. Your business checking account must remain in an open status to receive the bonus. An Early Account Closing Fee will apply to accounts closed within 180 days of opening.
This offer is only available to new business checking customers. All existing Huntington business checking customers, including those with any relationship (including fiduciary) to any other Huntington business checking account, or those who closed a business checking account within the last six months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for this offer
Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other business checking offer.
Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

Avoiding Fees

~~You don’t have to pay the monthly fees for the first three months~~. Update: The 3 month fee waiver no longer applies

Community Business Checking ($0 Monthly Fee – $200 Bonus)

This account has no monthly fee to wory about.

Fast Track Business Checking ($20 Monthly Fee – $400 Bonus)

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.

Accelerated Business Checking ($30 Monthly Fee – $750 Bonus)

This account comes with a monthly fee of $30, this is waived with $25,000 in checking balances OR $100,000 in combined business lending, checking, savings, CD and money market balances.

Early Account Termination Fee

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

Our Verdict

Sometimes you can get a bonus of $500 for opening a fast track business checking account, the nice thing about that offer is that it’s a lot easier to keep fee free. This $750 bonus is as high as the accelerated bonus goes. Keep in mind you’d need to keep $25,000 deposited for six months to keep the bonus and avoid any fees. There are no fees for the first three months so you’d really just want to deposit $20,000 then withdraw it and then add $25,000 again later to keep it fee free (or just pay $90 in fees). If you put that into an account earning 2% APY you’d earn $125 I will add this to the list of the best business checking bonuses available because this is as high as this bonus goes. There is also a $200 personal checking bonus that is worth doing (not currently available sadly. Hopefully somebody finds a working link). People have successfully gotten both the business & personal checking account bonuses before.

Big thanks to reader, Charles DoC Fan who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

Bonus History

Update 10/01: Valid until December 31st, 2018. Hat tip to reader YAR

Update 09/03: Deal is much better as the monthly fees are waived the first three months. Hat tip to MyChurn2000.

Update 07/03: New links have been found. Thanks to reader Ampersand. $200 bonus has also returned

Update 07/01: Bonus has now expired, view more checking account bonuses here.

Update 05/18/18: Bonus has been increased to $750 again. Hat tip to reader Ampersand.

Update April 1st, 2018: You can now only get a $400 bonus for opening the fast track business bonus. Accelerated offer not currently available.

Update January 8th, 2018: Bonuses are back and valid until March 31st, 2018. Fast track business checking bonus has been reduced from $350 to $300 and Accelerated bonus has been decreased from $750 to $500. Hat tip to reader akaak

Bonuses are back and available again until January 7th, 2018. Thanks to reader Stephan. Fast Track bonus has been decreased to $350 from $500.

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Andy

“Unfortunately, this offer is not available to existing business checking customers, including fiduciaries, or those with checking accounts closed within the last six months”

I closed a PERSONAL checking acct with Huntington a couple months ago – do you think I’m ineligible?

Mix

I got a business checking bonus from Huntington two months after getting the personal checking bonus, with the personal account still open. The only PITA was having to go to a branch for the business account.

William Charles

You should be fine.

MarcoPolo

I should get the bonus since I didn’t close my checking account as the terms say “this offer is not available to existing business checking customers, including fiduciaries, or those with checking accounts closed within the last six months.”

William Charles

You mean your business or personal checking/ If you have personal checking open should be fine.

Vijay

Hi William,

Is that suppose to be only ‘In Branch’ since no link to apply online? Pls. let me know if there’s an work around…

Thanks!

William Charles

In branch only I’m afraid. Will make this clearer.

Mark

What questions do they normally ask in the branch for business account? Do you need to show any business document?

Information Booth

Yes, you need to sign up with an EIN and provide documentation. They will not allow you to open the account with a SS number only. They are extremely strict about this!! My banker was not aware of this rule, but when he asked his manager, that is what she told him. If you sign up for an account that has monthly fees, after the bonus posts, you can downgrade the account to a free one. Hope this helps somebody. Love in Christ.

Ryan

Not true at all. Can sign up as some prop and use ssn.

Information Booth

Update… you are correct. The banker insisted I bring my EIN to open the account. When I went to close the account, they told me they had opened it with my SS #. So irritating!! John 3:16

I signed up as a sole prop

Chris Paternite

I too used ‘Future Rental Property’ and SSN to sign up for this 2 years ago with no problem.

Dan

Where does it say available in Illinois? The fine print mentioned other states but not Illinois

William Charles

It’s the first state listed? This offer is only available to new business checking customers residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia and Wisconsin.

Krista Check My Posts

FYI, Some of the states are “Border States.” At least Kentucky is. When they say Kentucky, they mean they have a few branches that border West Virginia in Ashland, KY. Zero branches in parts of Kentucky that people actually live.

Fortunately , I might be visiting this area soon. $750 is a Pretty good bonus even if you pay the $30 fee 3-4 times.

Dan

This offer is only available to new business checking customers residing in Ohio, Michigan, Indiana, Pennsylvania, Kentucky and West Virginia.

William Charles

This offer is only available to new business checking customers residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia and Wisconsin.

CtownBin

Do we know what is required to open the business account? For instance- if I am a sole proprietor who has yet to register for an EIN, am I eligible, similar to how I’ve acquired the Chase Ink cards?

Also- how long must the $5k remain in the account after depositing it?

Dan

Just SSN(but some bankers won’t let you do it w.o EIN, so go to another banker 🙂

Needs to stay for 6months

Steve F

The 5k can be taken out safely after the bonus posts. You only need to keep the money there to keep it fee free. However, that’s really not necessary either; downgrade via phone call to the free business checking after your bonus posts. Then you only have to keep the account open for y months to avoid claw back.

Chris

I told them I was planning on Renting my House soon…and had a ‘real’ zillow print out and some other ‘back up info’ just in case that they didn’t really care about. They will ask you how much you expect to bring in each month with whatever business of course…and use your personal address info etc.

Also – A HELOC with them does NOT count towards the 30K ‘Relationship Balance’ =)

Jay Bee

Are the deposit requirements cumulative like the previous personal checking accounts? I’m thinking yes based off the terms.

If this is the case, why not signup up for the $750 bonus and do a cumulative of $25k in deposits within 60 days and downgrade after the bonus hits?

I’m also wondering, if they will waive the first 2 months or cycles like other banks do. Chase waived the the 1st two calendar month cycles for a similar business checking account offer I’ve done recently.

William Charles

Because you still need to worry about the $30 monthly fee for six months. Not sure if they waive the first few months or not

Jay Bee

So you’re saying that you cannot downgrade this particular $750 bonus business account then?

I recently downgraded the personal checking via chat and it was painless.

William Charles

Not sure, no experience with it. Try it and let me know

Jay Bee

Yeah I’m going to schedule an appointment in a nearby town sometime next month since I’m actually self employed and file as a sole prop.

If further research or DPs can’t verify, I’ll discuss it with the banker if I can downgrade “later” on if I’d like to change my type of biz account.

Jeff

I know you can downgrade the Fast Track account after bonus posts (did it myself to Community), I would assume that is the same with the higher level accounts too. My banker was really nice and actually told me I could do this when I set up the account.

Nick

I recently tried to open this account and was told I needed an EIN number and some sort of business title documentation. Might try another banker/location.

Mike

I would try another bank. I was able to sign up with legit sole prop and SSN.

Russell

Is this by any chance coming back? I just started my first online business, and have invariably started looking at business accounts to open for the bonuses. Just did Wells Fargo, but will this be coming back for the last quarter?

Stephan

Here are 2 working links, $500 is now only $350 but $750 is still working. Both good till next year.

https://www.huntington.com/BB-SEM-fast-track-q417
https://www.huntington.com/BB-Accelerated-1707

Cheers

Stephan

Can you remove lastname in previous post?

William Charles

Done

Stephan

One link is wrong, here the correct ones…

https://www.huntington.com/BB-Accelerated-q417
https://www.huntington.com/BB-SEM-fast-track-q417

Scott

I think all references for the $500 should now be $350. Thanks for all the deals you post.

William Charles

Didn’t save my changes, fixed now

ChurningFast

William, I opened a personal account with Huntington for the $200 bonus with $1000 deposit. I noticed that I got the bonus after depositing $500 while opening and $500 later. I don’t have $25000 in hand, but if it’s cumulative, couldn’t I deposit the same $5000 five times in a month and get the bonus for the accelerated account? I’d like to know if you think deposits are not cumulative for business accounts and that’s why you recommend the fast track bonus. Even if I just eat the $30 fee in the accelerated account for six months, I still come out way ahead. Let me know your recommendation.

Joanne

@churningfast I also live in Pittsburgh. Which branch did you go to? Also, you still had to do 30 transactions in total including the 5x you moved the $5K in?

ROCIII

Did the $500 a month or two ago.
1. Downgrading fastrack to community is allowed
2. The $20 monthly fee is waived for three months on fastrack if you choose not to downgrade
3. Was able to open with SSN (sole prop) told the banker I sell records on discogs.
4. Showed banker the $5k worth of WU MO’s that I would be depositing to open the account and made sure that it would be ok to deposit these ‘often’
5. Bonus paid the same day the $5k posted to the account.
6. Took over 2 weeks to get my business debit card in the mail.

ROCIII

7. I got a personal account bonus from them in July. Account still open. Downgraded to asterisk free account after bonus posted and have had $1 parked in it ever since.

Mike M

Can also confirm it “relatively” easy to downgrade both the personal and business checking accounts. I had to call twice to downgrade the personal account over the phone, first CSR wasn’t helpful had to call back and get someone else.

Business account I had to escalate and speak with a manager as the CSR again had no idea what I was asking but the manager downgraded me in 10 seconds.

ChurningFast

Which business acount?

DPcntrl

Can’t downgrade business via chat, but super easy to do so via phone 800-480-2001

ChurningFast

My DP:

11/11: Opened Accelerated business checking with no business docs (I don’t have a biz) at a Pittsburgh branch. Banker confirmed three things- (i) $25k deposit requirement is cumulative, (ii) Biz accounts have monthly fees waived for first three months, and (iii) Accelerated biz can be downgraded to Community biz.

11/14-12/15: Recycled $5k for total $25k cumulative deposits via CapOne 360. Meaning I transferred the same $5k to CapOne and back again five times.

11/26: $750 promotional incentive

11/27: Called banker who opened account directly about downgrading. Account changed to Community Business checking (no fees) immediately on logging in.

No feed charged anywhere. William, you may consider changing DoC’s verdict on this one. This was the highest bank account bonus I’ve ever received, by a long,long way. And also one of the easiest.

Frank

I love this post!

William Charles

Unfortunately bonus isn’t $750 anymore 🙁

Mark

I opened in branch with a MO address and it worked.
12/21 Opened
1/4 Deposit 5K
1/9 $350 bonus posted

Josh

any chance this can be opened over the phone like the Wells Fargo business checking was letting people do?

ChurningFast

I saw the $750 accelerated checking offer and a new $200 community checking offer together with this one on a different site. They’re affiliate links though, so can’t post here I think.

Information Booth

Just closed my business account a few days ago… called to close in Feb… the agent said she closed it…so easy!! Nope, I got another statement… called and informed that you can only close a business account in branch!! You have to specifically ask for a business banker to close the account… they don’t always have one on duty at small locations…waiting to churn… God is Love!!😁

Charles DoC Fan

I got credit for updating bonus info? Yes! Woo Hoo!

I live about 100+ miles from a branch, but definitely plan to open the next time I head that way. In the meantime I requested the coupon, and will make sure they don’t up the bonus any more in the meantime.

Frito Pendejo

I just realized there’s a branch near me! I’m gonna try this and the personal offer.

MarcoPolo

Frito Pendejo
How did it go?

Gosh closest branch is at least 3 hours away…

Sara

Is this deal churnable as long as you wait the 6 months? It says New Business checking customers

[OH, MI, IN, PA, KY, WV & IL] Huntington Bank $200/$400/$750 Business In Branch Checking Bonuses

The Offer

The Fine Print

Avoiding Fees

Community Business Checking ($0 Monthly Fee – $200 Bonus)

Fast Track Business Checking ($20 Monthly Fee – $400 Bonus)

Accelerated Business Checking ($30 Monthly Fee – $750 Bonus)

Early Account Termination Fee

Our Verdict

Bonus History

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[OH, MI, IN, PA, KY, WV & IL] Huntington Bank $200/$400/$750 Business In Branch Checking Bonuses

The Offer

The Fine Print

Avoiding Fees

Community Business Checking ($0 Monthly Fee – $200 Bonus)

Fast Track Business Checking ($20 Monthly Fee – $400 Bonus)

Accelerated Business Checking ($30 Monthly Fee – $750 Bonus)

Early Account Termination Fee

Our Verdict

Bonus History

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