Huntington Bank Bonuses: November 2026

Huntington Bank’s personal checking bonuses come in two forms: a Perks Checking bonus earned through direct deposits, and a larger Platinum Perks Checking bonus that requires a large deposit of new money. The $400 Perks offer asks for regular income flowing into the account. The $600 Platinum Perks offer asks you to move $25,000 or more to Huntington within 90 days. The headline amounts are close, but the money required to earn them is far apart, so the choice usually depends on whether you are redirecting a paycheck or parking savings.

Both offers are limited to new checking customers who live in Huntington’s service area. The bonus is paid only when you open the account through the correct promotion path and meet every requirement inside its window.

How the Two Personal Offers Differ

The difference that matters most is the type of money each offer counts:

• Perks Checking ($400): qualifying direct deposits totaling $500 or more within 90 days of opening, and the account must stay open 90 days. The deposits can be spent after they arrive, because the requirement is about deposits coming in, not a balance you have to hold.
• Platinum Perks Checking ($600): $25,000 or more in new money deposited within 90 days. The deposit can arrive in several pieces; the cumulative total is what counts. Funds moved from other Huntington accounts do not qualify.

Who Is Eligible

State of residence

Huntington is a regional bank, and its personal bonus offers are open only to residents of the ten states it serves:

• Colorado
• Illinois
• Indiana
• Kentucky
• Michigan
• Minnesota
• Ohio
• Pennsylvania
• West Virginia
• Wisconsin

Huntington’s business promotions have also included South Dakota. If you live outside the footprint, these offers are not available to you, and a bank with a national branch network, such as the offers described in our Chase Bank promotions guide, may be the closer substitute.

New customer rules

The two personal offers define “new” a little differently:

• Perks Checking: existing Huntington checking customers are excluded, and so is anyone who closed a Huntington checking account within the past six months.
• Platinum Perks Checking: the exclusion is broader. Existing Huntington customers are ineligible even if their relationship is a different type of account, not checking.

Because both bonuses target new checking customers, opening one account makes you an existing customer for the other. Plan on choosing one personal offer rather than stacking both.

How to Earn the Perks Checking $400 Bonus

1. Open a new Perks Checking account through the promotion page. You can open online or at a branch in Huntington’s service area. If you apply online, start from the checking promotion page. An application started elsewhere on the bank’s site may not carry the bonus.
2. Receive $500 or more in qualifying direct deposits within 90 days. Qualifying deposits are regular, recurring electronic payments such as payroll, pension or government benefits. The $500 can come from one deposit or several, as long as the total reaches $500 inside the window.
3. Keep the account open for 90 days. Closing early forfeits the bonus.
4. Wait for the payout. The bonus is deposited within 14 days of meeting the requirements.

The simplest route is to change your direct deposit with your employer or benefits provider as soon as the account number is issued. Payroll changes can take one or two pay cycles to take effect, so starting early protects the 90-day window.

How to Earn the Platinum Perks Checking $600 Bonus

1. Open a new Platinum Perks Checking account through the promotion page. As with Perks, an online application needs to start from the promotion page for the bonus to apply. Branch opening is also available.
2. Deposit $25,000 or more in new money within 90 days. Count from the account opening date. You can deposit in stages; only the total matters. The money must come from outside Huntington, so moving funds from a Huntington savings account or another Huntington account does not count.
3. Keep the account open at least 90 days.
4. Receive the bonus. Huntington deposits the bonus within 14 days of the requirements being met.

Large transfers from another bank can be held, limited per day or reviewed. If you plan to send $25,000 by ACH from an external account, check your sending bank’s transfer limits before you open. A wire or a series of transfers may be needed to finish inside the window.

Timeline From Opening to Payout

Each offer runs on two clocks. Missing either one costs the bonus.

The promotion expiry is the deadline to open the account. The 90-day qualification window starts on the opening date, so an account opened shortly before expiry still gets its full 90 days.

Put the dates on your calendar the day you open: the opening date, day 90 for the deposit deadline and minimum open period, and roughly day 104 as the latest the bonus should appear if you finish deposits near the end of the window. If you finish early, the 14-day posting clock starts earlier too.

What Counts as Qualifying Money

Each offer has its own definition of a qualifying deposit, and money that falls outside it does not count toward the bonus.

For Perks Checking, the test is whether the deposit is a direct deposit: a recurring electronic payment from an employer, payer of a pension, or government agency. Mobile check deposits, cash at a branch and transfers you push from your own account at another bank do not fit that definition of a regular, periodic payment.

For Platinum Perks Checking, the test is whether the money is new to Huntington. External transfers, wires and deposited checks drawn on other banks bring in new money. Internal transfers between Huntington accounts do not.

Account Fees During the Bonus Period

Both accounts have a $0 minimum to open. The monthly fee is part of the cost of earning the bonus, so it belongs in your math.

Perks Checking

• Monthly maintenance fee: $10, waived in any month when deposits to the account total $1,000 or more. A household paid by direct deposit often clears that threshold through payroll alone, but if your deposits fall short, the fee applies that month.
• ATMs: Huntington ATMs are free. For other banks’ ATMs, the first five withdrawals each month carry no Huntington fee and the ATM operator’s surcharge is reimbursed. After five, each non-Huntington withdrawal costs $3.50.
• International transactions: 3% of the transaction amount.
• Overdraft: $15 per overdraft item.

Platinum Perks Checking

Platinum Perks carries the same ATM structure (five free non-Huntington withdrawals per month with operator fees reimbursed, $3.50 each after that), the same 3% international transaction fee and a $15 overdraft fee per item.

Two terms need confirming in the personal fee schedule before you move money out or close the account after the bonus posts: the Platinum Perks monthly fee and how its waiver relates to the balance you keep, and whether either personal account charges an early closure fee. Huntington’s business accounts have charged one for closing within 180 days.

Working Out What Each Bonus Is Worth

The return on each bonus depends on what you give up to earn it.

Perks Checking: almost no capital tied up

Direct deposits arrive and get spent as usual, so the bonus is not paid for with money sitting idle. The costs are mainly the effort of switching direct deposit and any monthly fees in months when deposits fall below $1,000.

Hypothetical example: if the monthly fee applied for all three months of the 90-day period, fees would total $30, leaving $370 of the $400 bonus before tax. If your deposits reach $1,000 each month, the fee is waived and the full $400 remains.

Platinum Perks Checking: the cost of parking $25,000

Here the main cost is opportunity cost: the interest your $25,000 could earn elsewhere while it sits in checking.

Simple return over the period: $600 ÷ $25,000 = 2.4%.

Annualized equivalent (assumes the full $25,000 sits in the account for exactly 90 days, ignores any interest the checking account pays and ignores fees and taxes): 2.4% × (365 ÷ 90) ≈ 9.7% a year.

Forgone interest formula: balance × alternative annual rate × days held ÷ 365.

Hypothetical example: at an assumed 4% alternative yield, $25,000 × 0.04 × 90 ÷ 365 ≈ $247 of interest you would give up. Subtracting that from the bonus leaves about $353 of net advantage before tax and before any monthly fees.

Two assumptions drive this result. First, the longer the money stays put, the lower the annualized return. If you keep the $25,000 in checking for six months instead of three, the annualized figure roughly halves and the forgone interest doubles. Second, the higher the yield you could earn elsewhere, the smaller the net gain.

Taxes on Huntington Bonuses

Checking account bonuses are taxable income. Huntington reports the bonus on Form 1099-INT, the same form used for interest, and you report it on your federal return for the year it was paid.

Hypothetical example: at an assumed 22% marginal federal rate, a $600 bonus nets $468 after federal tax, and a $400 bonus nets $312. State income tax, where it applies, reduces both further. Timing matters at year-end: a bonus that posts in January belongs to the new tax year, not the year you opened the account.

Huntington Business Checking Promotions

Huntington has also run separate bonuses for business checking, including an Unlimited Plus Business Checking offer. Its business offers have followed different rules from the personal offers, and current business terms may differ from these:

• New money only. Deposits must come from outside Huntington.
• Shorter deposit windows. Business offers have required the deposit within 30 or 60 days of opening rather than 90.
• Balance maintenance. The higher-tier business offer required keeping a minimum daily balance for 60 days after meeting the deposit, not just making the deposit once.
• Minimum time open. The account had to stay open 90 days, counted from opening rather than from the deposit date. Closing within 180 days triggered an early account closing fee.
• Ownership lockouts. Anyone who was an owner of a Huntington business checking account currently or within the past six months was excluded, and earning a business bonus could make you ineligible for other Huntington sign-up bonuses for 12 months, even for a different business you own.
• Branch codes. Applicants opening in person used an emailed bonus code generated from the offer page.

If you own more than one business, the 12-month lockout means earning a bonus for one may block the next.

How we checked Huntington

We visited huntington.com on 13 November 2026, connecting from Tallinn, Estonia. The homepage loaded normally and carried an “FDIC-Insured” line in the header. In the footer we found the statement that The Huntington National Bank is an Equal Housing Lender and Member FDIC, along with a reference to Huntington Bancshares Incorporated. From there we clicked through to About Us, a golf partnerships page, the Accessibility Support page and the Terms of Use link. The domain itself dates back to 1994-03-28.

On the savings overview page the bank advertised Relationship Savings at up to 4.00% APY with a minimum deposit of $5,000 in new money. Relationship Money Market was listed at up to 3.85% APY, with $25,000 in new money required. Both rates are set by zip code. On the apply-online page, one checking account showed no monthly fee “when you deposit $1,000 each month or keep $5,000 across your Huntington accounts. Otherwise, it’s $10 a month.” We did not start an application, so we can’t say how far you get before Huntington asks for personal details.

Next we searched FDIC BankFind Suite on the same day using the bank’s web address. It returned The Huntington National Bank, certificate 6560, insured since 01/01/1934, with the Comptroller of the Currency as its regulator and headquarters at 17 S High St Columbus, OH 43215. That matches the FDIC membership claimed in the site footer. The reviewer picture is much weaker. When we read Huntington’s Trustpilot page on 13 November 2026, it scored 1.2/5 from 347 reviews, and 90% of them were one-star. The profile is unclaimed. The company had replied to none of the 8 newest reviews. The earliest Wayback Machine capture of the domain is from 1996-10-17.

One gap matters for this review. Our walk did not reach the checking promotion pages, so the bonus amounts, deposit windows and eligibility rules described above come from Huntington’s published offer terms rather than anything we confirmed ourselves.

Which Offer to Choose

Choose Perks Checking if you are paid by direct deposit, can route at least $500 to the new account within 90 days, and want a bonus that doesn’t tie up savings. Its main risk is a direct deposit that starts late or doesn’t meet the definition of a qualifying deposit.

Choose Platinum Perks Checking if you have $25,000 or more outside Huntington that is currently earning little, can move it within 90 days, and value the higher-tier account itself. It pays $200 more than Perks in headline terms, but its main risk is opportunity cost: if your $25,000 already sits in a high-yield account, the gap between the two offers shrinks once forgone interest is counted.

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