Huntington Bank Business Account Review 2023

We hunted down all the details on Huntington’s business banking products and then compared it to dozens of other banks to get our rating and review.
Best one-stop shop
Checking from
  • pro
    Loans, credit cards, and more
  • pro
    Extensive resources for business owners
  • pro
    Free business checking option
  • con
    Only available in 11 states

Data as of 12/15/22. Offers and availability may vary by location and are subject to change.

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The bottom line: Huntington Bank has plenty of bank accounts (including a free option), loans, credit cards, and other business banking products―and it’s got some cool resources for business owners too. However, Huntington also has very limited availability, few customer reviews, and a sparse website  that doesn’t tell you nearly enough about its products.

Banking built for small businesses: Bluevine

Set your business up for success with a checking account that has no monthly or overdraft fees and earns you up to $5,000 in interest each year.

pro Availability of loans, credit cards, and more
pro Extensive resources for business owners
pro Free business checking account option
con Availability in only 7 states
con Limited information on website
con Few customer reviews

Huntington Bank account options

While Huntington doesn’t have the biggest selection of bank accounts we’ve seen, it does give you a number of choices. Let’s begin with its checking accounts.

Checking accounts

Huntington Bank gives you a few choices for checking. And with your options ranging from a free business checking account to a specialized checking account for health care businesses, there’s a good chance you’ll find one that works for you.

Huntington Bank small-business checking accounts

FeatureUnlimited Business CheckingUnlimited Plus Business CheckingBusiness Checking 100
Min. opening deposit$0.00$10.00$10.00
Monthly fee$20.00$40.00$0.00
Monthly fee waivable?
Icon Check  DarkYes
Icon Check  DarkYes
Earns interest?
Icon No  DarkNo
Icon Check  DarkYes
Icon Check  DarkYes
Free transactionsUnlimitedUnlimited100
Transaction feeN/AN/AN/A
Free cash depositsUp to $10,000Up to $25,000Up to $25,000
In-network ATM fees$0.30 per $100.00$0.30 per $100.00$0.30 per $100.00
Open an account

Data as of 12/15/22. Offers and availability may vary by location and are subject to change.

If you don’t plan on making too many transactions, you might like the free Business Checking 100 account. There’s no monthly maintenance fee on this basic checking account. You may still have to pay other fees, like transaction fees and deposits fees, depending on how you use the account. But if you just need a simple account for your freelance photography business, this account gives you an affordable option.

But what if you want more transactions and cash deposits? In that case, you’ll probably want to check out Unlimited Business Checking. It gives you unlimited transactions and doubles the amount of cash transactions you get. This checking account has a monthly fee, but you can waive it if you keep an average daily balance of at least $10,000 across your Huntington business deposit accounts.

Debit card
Each Huntington checking account comes with a MasterCard business debit card. You can also get an additional card (or several) for employees.

If you’d prefer an interest-bearing checking account, you can go with Unlimited Plus Business Checking. It has the highest monthly fee, but it gives you the most free transactions and deposits. And, of course, it earns interest on your cash (though Huntington doesn’t publish its rates). You can waive the service fee on these accounts by keeping an average balance of $50,000 in your business deposit accounts.

For health care practices, Huntington offers Healthcare Business Checking. It’s another interest-bearing account (still no word on the APY, though). While you don’t get unlimited free transactions (just 600), you do get plenty of free cash deposits. To waive the monthly service fee, keep a balance of at least $25,000 in your Healthcare Business Checking account, or maintain a balance of $100,000 across your deposit accounts.

Finally, Huntington has Business Analyzed Checking. This account has a $20 monthly fee. As you’d expect from an analyzed checking account, you’ll pay fees for all transactions and deposits. But you can offset those fees, plus your monthly fee, by getting earnings credit based on your checking account balance. So if you keep very high balances, this account might be best for you. Otherwise, we suggest one of the others.

Savings accounts

Some banks have a wide variety of savings accounts, but not Huntington. It offers just one traditional savings account and one money market account, as well as certificates of deposit.

Huntington Bank small-business savings accounts

FeatureBusiness Premier SavingsBusiness Premier Plus Money Market Account
Min. opening deposit$100$100
Monthly maintenance fee$4$10
Monthly fee waivable? Icon Check  Dark Icon Check  Dark
Open an account

Data as of 12/15/22. Offers and availability may vary by location and are subject to change.

Business Premier Savings provides a basic savings account to businesses that want an affordable option and aren’t worried about maximizing their interest earnings. You can waive the (already low) monthly fee if you keep a $300 minimum balance in your account.

You’ll earn more with the Business Premier Plus Money Market Account. To waive the maintenance fee, you’ll need an average account balance of at least $10,000.

Note that Huntington Bank doesn’t actually publish the interest rates or APY on these accounts; you’ll have to talk to your banker to get information for your area. Huntington’s site suggests Premier Plus Money Market earns more interest than Premier Savings, which is typical of those types of accounts. (For more information on how savings, money market accounts, and CDs compare, you can read our guide to business savings accounts.)

Likewise, while Huntington does offer certificates of deposit (CDs), it offers absolutely no information about those. Again, you’ll have to speak with your banker.

An alternative savings option

For great rates on savings, we recommend Small Business Bank. It has the highest APY we’ve seen on a business money market account.

Huntington Bank features

Now, Huntington Bank doesn’t have the best selection of checking accounts or savings accounts we’ve seen, nor does it have the most impressive business loans. But while it might not be a standout in any one area, Huntington’s accounts are competitive.

More importantly, Huntington has a lot to offer small businesses. Like, a lot. Yeah, it has the standards like bank accounts, credit cards, and financing. It also has extras like payroll services and merchant services. Oh, and then it goes a step further to offer things like liability insurance, checking archiving services, and a number of other products for small businesses.

You can take care of most of your business needs with Huntington Bank, making it a good one-stop shop. Yes, there’s a chance you can find a better deal on individual products by shopping around—but you’ll likely save time and energy by sticking with Huntington. And we know how precious your time is.

Plus, Huntington has a few deals when you use multiple products—like free savings accounts with certain checking accounts or higher APY (annual percentage yield) on your money market account if you have a qualifying checking account.

Put simply, Huntington is a solid bank with an incredible variety of products and services. But how does it fare when compared to other banks?

Huntington Bank vs. competitor banks

Let’s talk about how Huntington compares to both other traditional banks and to online  banks for business.

Huntington Bank vs. competitors

Monthly maintenance fee (checking)
Bank type
Get a bank account

From $0.00/mo.


11 states

From $16.00/mo.


33 states



All states



All states

From $10.00/mo.


36 states

Data as of 12/15/22. Offers and availability may vary by location and are subject to change.

Huntington is one of the cheaper traditional banks out there. And that doesn’t just apply to its monthly maintenance fees―it also has lower cash deposit fees and transaction fees than many other traditional banks.

Still, online banks beat even Huntington’s prices. Aside from the lack of monthly fees, banks like Bluevine and Kabbage don’t charge any typical fees (like transaction fees).

That said, Huntington―like other traditional banks―offers way more banking products and services than online banks do. It is, as we said, very much a one-stop shop.

But on the downside, Huntington Bank is much less widely available than other banks―including both big traditional banks and online banks. And that brings us to some of Huntington Bank’s biggest drawbacks.

Huntington Bank drawbacks

One of the biggest drawbacks to this bank? The limited likelihood that you can actually use Huntington. Right now, Huntington is available in just 11 states. If you’re not in one of those, we don’t want to waste your time (and we suggest you find the best bank for business in your state instead).

Another drawback we need to mention: the lack of information on Huntington’s website. It doesn’t list any interest rates, for example―either for interest earned on savings or for interest paid on loans. That means you have to potentially waste time talking with a banker, only to find out the rates aren’t competitive enough for you to use Huntington. Annoying, right?

And one other drawback we want to discuss is the customer reviews―or lack thereof. 

What customers say about Huntington Bank

It’s hard to get a good idea of what customers think about Huntington. On Trustpilot, it has a 1.6 (out of 5) with just 20 reviews; on Bank Branch Locator, it has a 2.9 (out of 5).1, 2

It makes sense that Huntington doesn’t have a ton of reviews, since it’s a regional bank, but that’s not a lot to go on. And frankly, the reviews themselves aren’t the most helpful. A number of the reviews are from confused people trying to ask Huntington Bank questions, for example. Other reviews simply aren’t helpful.

Our experience with Huntington Bank
For what it’s worth, we had very positive interactions with Huntington’s customer service. We called to verify some information and ask some questions, and the reps we spoke with were very friendly and gave us the answers we needed.

What we’re left with is a handful of mostly positive reviews from people who like Huntington’s low fees and praise employees at specific branches―and then some negative reviews complaining about customer service.

So Huntington Bank does have its downsides. But there are some other cool things we want to talk about―like its neat calculators.

Huntington Bank’s business calculators

We probably don’t have to tell you that business involves a lot of decision-making—and in many cases, those decisions can have a big impact on your money. Should you get a loan? Should you buy commercial real estate? Is that equipment purchase worth it? It can be nerve-wracking trying to figure out what the best choice is.

Enter Huntington Bank. In addition to all its bank accounts and other products, it has resources to help small-business owners—like a bunch of small-business calculators.

These handy calculators can help you do the math as you make your decisions. If, for example, you’re trying to choose between buying and leasing some new equipment, you can use its equipment calculator. Just plug in all the information you have, from purchase price to tax rate to how long the equipment will last, and Huntington will give clear numbers that can help you make your decision.

Huntington has calculators for businesses at every stage. There’s a calculator to help you figure out how much cash you need to start a business, and there’s a calculator to help you figure out how much your established business is worth.
There’s not always a clear-cut answer for all your business questions—but sometimes there is. And in those cases, Huntington’s business calculators are well worth your time.

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Other small-business products and services from Huntington Bank

Now you know all about Huntington’s business bank accounts and business calculators. But that’s just scratching the surface. We said before that Huntington is a one-stop shop, so let’s explore everything else Huntington can offer you. (It’s a lot.)

Small-business financing

Huntington offers a variety of business funding options:

  • Term loans
  • Commercial real estate loans
  • Business lines of credit
  • Dental and veterinary practice loans
  • SBA loans, including 7(a), Express, and 504 loans

Unfortunately, we can’t tell you much more about them, since Huntington doesn’t publish any details about its financing.

Because Huntington is a traditional bank, we expect that its rates and terms are competitive, especially when compared to the rates from online lenders. Of course, we also expect that you’ll need to meet higher criteria to qualify for financing, like a credit score in the 700s and over $100,000 in annual revenue.

Small-business credit cards

Huntington has one business credit card: Voice Business Credit CardTM. This MasterCard gives you 1% cash back on your spending. Huntington even lets you choose a category that you get extra cash back in (at a high 4% rate), like home improvement, office supplies, or travel. You can change categories every quarter if you want.

Fortunately, the Voice Business Credit CardTM has no annual fee, even after your first year.

And if you want to give your employees access to your business credit, Huntington lets you get as many employee cards as you want. And don’t worry about someone going rogue with one of your cards—you can use Huntington’s website to put spending controls on your employee cards.


Huntington can also help you with your business insurance needs. Its offerings range from liability coverage to employee health care insurance. Here’s the full list:

  • Property insurance
  • Professional liability coverage
  • Title insurance
  • Casualty insurance
  • Employee insurance and benefits
  • Contract bonds and fidelity bonds
  • Life insurance and business succession planning

So whether you own a law firm, an IT business, or a retail store, Huntington probably has you covered.


We’re not done yet. Huntington has loads of other products and services to help your small business:

  • Merchant services
  • Billing services
  • Payroll and HR services (through Paychex)
  • SmartTax tax payments
  • Digital check archiving
  • Check verification and restrictions
  • ACH transactions and wire transfers
  • Foreign exchange

Like we said, you’ve got a lot of choices. See why we called Huntington Bank a one-stop shop?

The takeaway

So is Huntington Bank the right financial institution for your business banking needs? It might be—especially if you want to get a checking account (with the option to get a free one), savings account, and plenty more all from one place.

Sure, we wish it was more forthcoming with interest rates and financing information, and Huntington’s geographic restrictions are a real drag. Likewise, we're troubled how few customer reviews Huntington Bank has.​​ Even so, we think it’s a decent bank that many businesses could be happy with.

Not convinced Huntington is the right bank for you and your money? Find an alternative on our rankings of the best banks for small business.

Related content


We researched all kinds of information about Huntington Bank, like its business checking options, banking fees, and customer reviews. Then we used our standardized bank scoring method to assign Huntington Bank an overall score and figure out how it compared to other business banks.


At, our research is meant to offer general product and service recommendations. We don't guarantee that our suggestions will work best for each individual or business, so consider your unique needs when choosing products and services.


  1. Trustpilot, “Huntington.” Accessed December 15, 2022.
  2. Bank Branch Locator, “Huntington Bank.” Accessed December 15, 2022.
Chloe Goodshore
Written by
Chloe Goodshore
Chloe covers business financing and loans for She has worked with many small businesses over the past 10 years, from video game stores to law firms. Those years watching frustrated business owners try to sift through their many options gave her a passion for breaking down complex business topics. She wants to help business owners spend less time agonizing over their businesses so they can spend more time running them.
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