Huntington at a glance
Businesses in Huntington markets that want branch support alongside business banking services.
Business Checking 100
$0 published monthly fee under the current review data.
3 current tiers
Compare the full fee, waiver, transaction and cash-deposit structure below.
Regional bank
Businesses in Huntington markets that want branch support alongside business banking services.
Current business checking lineup
Huntington currently has 3 business-checking tiers represented in our current review data. The table below is the fastest way to see whether the entry tier is sufficient or whether transaction, cash-deposit or relationship needs justify moving up.
| Account | Monthly fee | How the fee can be avoided | Operating allowance / notable feature |
|---|---|---|---|
| Business Checking 100 | $0 | No waiver needed | 100 included transactions; $2,500 monthly cash deposits at no charge; $0.50 per transaction over 100 |
| Unlimited Business Checking | $20 or $0 | $10,000 qualifying business deposit relationship balance or eligible personal relationship | Unlimited transactions; $10,000 monthly cash deposits at no charge; one bonus service |
| Unlimited Plus Business Checking | $40 or $0 | $50,000 qualifying business deposit relationship balance or eligible premium personal relationship | Unlimited transactions; $25,000 monthly cash deposits at no charge; interest bearing; two bonus services |
Where Huntington fits
Huntington is strongest for businesses in its Midwest footprint that want an easy progression from low-volume checking into unlimited transaction capacity. The key advantage is not just branch access: the published transaction and cash-deposit allowances are unusually straightforward, which makes it easier to forecast account costs as activity grows.
Checking structure
Huntington has one of the clearest three-step checking ladders in regional business banking: a true $0-maintenance entry account for lighter activity, then two unlimited-transaction tiers that scale cash handling, relationship waivers and treasury benefits.
Transactions and cash deposits
Business Checking 100 includes up to 100 monthly transactions and $2,500 in branch or ATM cash deposits at no charge. Unlimited Business Checking removes transaction-count limits and raises included cash deposits to $10,000. Unlimited Plus keeps unlimited transactions, raises the cash allowance to $25,000 and pays interest on the collected balance.
Relationship economics
Unlimited Business Checking carries a $20 monthly fee that can be waived with at least $10,000 in qualifying business deposit relationship balances or an eligible Huntington personal checking relationship. Unlimited Plus carries a $40 fee, with a $50,000 business deposit relationship threshold or qualifying premium personal relationship. Bonus services become more generous at the higher tiers.
Who should compare Huntington closely
Startups and lower-volume businesses that can stay within 100 transactions, plus growing companies that want unlimited transactions and predictable cash-deposit allowances without immediately moving to analyzed commercial checking.
What to verify before opening Huntington
| Decision point | Bank-specific check |
|---|---|
| Entry-tier economics | Confirm whether Business Checking 100 at $0 fits your normal balances and activity, not just the promotional or opening period. |
| Transactions and cash | Model your real monthly volume against the published allowance: 100 included transactions; $2,500 monthly cash deposits at no charge; $0.50 per transaction over 100 |
| Upgrade threshold | Compare the incremental cost and allowances of Unlimited Plus Business Checking before your activity forces an unplanned tier change. |
| Service model | Verify branch coverage, support access, user permissions, ACH/wire controls and merchant/treasury tools needed by your team. |
| Geographic/product availability | Confirm that the exact product and service set is available to your entity type and operating market. |
Primary sources
- Huntington business checking comparison
- Huntington Business Checking 100
- Huntington Unlimited Business Checking
- Huntington Unlimited Plus Business Checking
A particularly coherent regional-bank lineup: genuinely low-cost at the entry tier and operationally scalable for higher-volume businesses.
Startups and lower-volume businesses that can stay within 100 transactions, plus growing companies that want unlimited transactions and predictable cash-deposit allowances without immediately moving to analyzed commercial checking.