Huntington 5 Checking is a personal checking account from Huntington Bank, designed for customers who want an account that earns modest interest and offers select benefits without requiring a high minimum balance.
It sits between the bank’s most basic and most premium checking options, providing practical everyday advantages, interest earnings on your balance, and specific perks for accessing out-of-network ATMs.
Key Features
Huntington 5 Checking is an interest-bearing checking account (APY), meaning your balance can grow slightly over time, something that is uncommon among traditional checking accounts. Currently, the account offers an APY of around 0.02%, with no minimum opening deposit required.
This account is also part of Huntington Bank’s broader checking lineup, with access to modern features such as mobile check deposit, Zelle® for fast person-to-person transfers within the U.S., and financial management tools available through the mobile app or online banking.
Another important feature is the ATM policy: the account reimburses fees for up to five out-of-network ATM withdrawals per month, which can save money for customers who frequently use ATMs outside the bank’s network.
Others Advantages
Interest on balance
One of the advantages of Huntington 5 Checking is that it pays interest (APY) on your account balance, even if modest, which helps your money earn a little over time, something many checking accounts do not offer.
Waived fees at out-of-network ATMs
The account waives fees for up to five monthly withdrawals at non-Huntington ATMs, which is significant for travelers, frequent ATM users, or customers who do not have easy access to the bank’s ATM network.
Useful financial tools
Like all Huntington checking accounts, 5 Checking includes features such as Early Pay (early access to qualifying direct deposits up to two days sooner), financial management tools through the mobile app and online banking, and protections like the $50 Safety Zone and 24-Hour Grace to help reduce occasional overdraft fees.
Fees and Requirements
Huntington 5 Checking has a $5 monthly maintenance fee, but it can be fully waived if you maintain at least $5,000 in total balances across eligible Huntington accounts or receive at least $1,000 per month in direct deposits.
This approach allows many customers to avoid the fee by meeting realistic requirements, especially those who already use the account for direct salary deposits or regular income.
How It Works
Huntington 5 Checking works like a typical checking account: you deposit money, use checks or the associated debit card for payments and withdrawals, and manage everything through Huntington Bank’s mobile app or online banking. The account connects to digital payment options, transfers (such as Zelle®), and remote check deposit via photo.
Interest is credited periodically based on the average balance, even if modest, and fees can be avoided through direct deposits or aggregated balances, as noted above.
Who It’s Best For
Huntington 5 Checking is well suited for people who:
- Want a checking account that earns some interest (even if modest).
- Are looking for partial reimbursement of out-of-network ATM fees, useful for those who rely on non-network ATMs.
- Can maintain a moderate balance or regular deposits to avoid the monthly fee.
- Prefer modern digital features with financial management tools via mobile app or online banking.
This account works well both as a primary account for everyday spending and as a secondary account for managing funds with interest earnings and easy access.
Is It Worth It?
Huntington 5 Checking is a solid option for those who want a more “robust” checking account that earns interest, offers some ATM fee reimbursements, and includes modern digital features, especially if you can avoid the monthly fee with a reasonable aggregated balance or frequent deposits.
For customers who prefer no-fee accounts regardless of balance, Huntington’s Asterisk-Free Checking may be more appealing, although it does not offer the same level of out-of-network ATM reimbursements or interest earnings.
In short, Huntington 5 Checking is an ideal “middle-ground” account for many customers who want more benefits than a basic free checking account without having to maintain very high balances.
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All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
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