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 September 30, 2026 using the promotion, receive at least $500 in total qualifying direct deposits within 90 days, and keep the account open for at least 90 days.
- Direct deposit requirement
- Required: at least $500 in qualifying direct deposits within 90 days. Huntington defines qualifying direct deposits as regular, periodic ACH credits that may include payroll, salary, pension, or government payments. RTP deposits, peer-to-peer payments, and 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
- $10 unless waived
- How to waive the fee
- Waived for a statement period with at least $1,000 in total monthly deposits or at least $5,000 in total relationship balances.
- Eligible states / geographic restrictions
- Available only to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, West Virginia, or Wisconsin.
- Offer deadline
- September 30, 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.
- Eligible new Huntington customers in a listed state 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 outside the published eligible states or unable to open by the deadline.
What the headline leaves out
A $400 reward for $500 in qualifying direct deposits is accessible relative to many checking offers, but the $10 monthly fee and tax treatment still matter. Meeting either published fee waiver preserves more of the bonus value.
How this offer differs
Huntington Perks requires less direct deposit than Key Smart while offering a larger bonus, but its account fee requires attention and availability is limited to the listed states.
- 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.
- 04The offer is limited to residents of the states listed in the official terms.
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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 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. The offer is also limited to residents of the states listed in the official terms.
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