Huntington Perks Checking®
Huntington determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
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Verification ledgerOffer terms at a glanceDeposit, spending, fee, deadline, and eligibility details
We separate the headline from the conditions required to earn it.
- Product name
- Huntington Perks Checking®
- Financial institution
- Huntington
- Offer type
- Checking account opening bonus
- Current bonus
- $400
- Required deposit or spending
- Open by August 10, 2026 using the promotion and receive at least $500 in total qualifying direct deposits of new money within 90 days; keep the account open for 90 days.
- Direct deposit requirement
- Required: at least $500 in qualifying direct deposits within 90 days. Transfers from another Huntington deposit account do not qualify.
- Minimum balance
- No promotional minimum balance; the offer uses a $500 qualifying direct-deposit requirement.
- Monthly or annual fee
- Monthly fee applies under current Perks Checking terms.
- How to waive the fee
- Huntington provides balance, direct-deposit, and qualifying Huntington Honors waiver paths; verify the current account disclosures before opening.
- Eligible states / geographic restrictions
- Available to eligible new personal checking customers where Huntington opens accounts.
- Offer deadline
- August 10, 2026
- Estimated payout timing
- Within 14 days after meeting all promotion requirements.
- Early closure considerations
- The account must remain open for 90 days and be open when payment occurs.
- Credit inquiry information
- Unknown; the official promotion does not state whether a hard inquiry is used.
- New Huntington customers who can receive $500 in qualifying direct deposit before the deadline.
- People who can maintain a fee waiver after earning the bonus.
- Existing Huntington checking customers or people who closed one within 12 months.
- People who cannot complete account opening by the near-term deadline.
What the headline leaves out
A $400 reward for $500 in qualifying direct deposits is accessible relative to many checking offers, but monthly fees and tax treatment still matter.
How this offer differs
Huntington Perks requires less direct deposit than Key Smart while offering a larger bonus, but its deadline is much sooner and its account fee requires attention.
- 01Current Huntington checking customers and customers who closed a checking account within 12 months are excluded.
- 02One account-related incentive per rolling 24 months across deposit relationships.
- 03The account must remain open 90 days.
- 04Deadline is near and terms should be rechecked immediately before applying.
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Frequently asked questions
How much direct deposit is required?
The current official promotion requires at least $500 in qualifying direct deposits of new money within 90 days.
Who is excluded?
Existing Huntington checking customers and customers who closed a Huntington checking account within the last 12 months are not eligible.
Related guides
- Direct deposit vs. ACH
- How bank bonuses work
- Why didn’t my bank bonus post?
- Can I close my account after the bonus?
- What counts as direct deposit?
- Bank bonus checklist