Banking Built for University of Michigan Faculty and Staff
University of Michigan Banking is built on our shared passion for developing leaders and serving people. We work together with your community by providing unique opportunities and financial services benefits.
University of Michigan Banking at Huntington
Huntington Platinum Perks Checking is our higher-tier checking account with a wider range of perks that reward a deeper relationship with Huntington. University of Michigan faculty and staff enjoy Platinum Perks Checking on us—no monthly maintenance fee and no minimum required to open.
Plus, it's loaded with features designed to make your relationship with Huntington even more rewarding.
Find a BranchSee all features & fee information
Other accounts are available, visit a branch for more information.
Now Available: The Official University of Michigan Debit Card
Account Perks
No Monthly Maintenance Fee
We're offering this premier account to University of Michigan faculty and staff without the standard monthly maintenance fee. And there's no minimum deposit needed to secure your Platinum Perks Checking account.
Earn Interest on Deposits
Platinum Perks Checking is an interest-bearing account, which means your deposits grow over time.
Unlimited ATM Withdrawals and Free Checks
We cover the fees on all non-Huntington ATM withdrawals, so you can access cash when you need it.¶ Plus, you have unlimited access to free checks.
Credit Score & Identity Monitoring
At no added cost, we include round-the-clock identity monitoring to help safeguard you from fraudulent activity, and credit score monitoring with alerts§§ and insights that can help you improve your score. It could make quite a difference. On average, participating customers received a boost of 23 points in just 12 months.^
Additional Benefits for University of Michigan Faculty and Staff
Special Loan Discounts
As a U-M faculty and staff member, you are eligible for special discounts on your mortgage's closing costs.
Financial Planning
Build a comprehensive strategy to help achieve your long-term goals, and effectively manage retirement accounts from previous employers.¥
Investment Products: Are Not FDIC Insured • Are Not Bank Guaranteed • May Lose Value
Better Savings Rates
Enjoy attractive relationship rates on savings and money market accounts, and extend the savings through all of your shared consumer accounts, owned by you or jointly with someone else.Ұ
University of Michigan Mcard
We're the only bank that links your University of Michigan Mcard to your checking account so you use your Mcard at ATMs and make purchases with your PIN.
Checking Account Features
Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.
University of Michigan Banking FAQ
Answer: Asterisk-Free Checking is a Huntington checking account with no monthly maintenance fee and no minimum balance requirement. Huntington Platinum Perks Checking is an interest-bearing account. Platinum Perks Checking includes all of the benefits of an Asterisk-Free Checking account; plus, your money will earn interest, you'll receive unlimited free non-Huntington ATM withdrawals, free checks, relationship rate featuresŁ, and Credit Score & Identity monitoring^. We're offering this premier account to University of Michigan faculty and staff without the standard monthly maintenance fee.
Answer: Huntington has several convenient branch and ATM locations. See all of our locations on and near campus.
Answer: You can use any Huntington location on or off campus and enjoy all the University of Michigan Faculty & Staff banking benefits.
Answer: Switch your account to a Huntington Platinum Perks Checking account at any Huntington branch or by calling (800) 480-2265. Mcard required at account opening.
Answer: If you are faculty or staff at the University of Michigan, visit any branch or call (800) 480-2265 to have a maintenance fee waiver applied to your account.
Answer: Bring your University of Michigan Mcard. If you have not received your Mcard or it is not available, verification can be made by confirming the active status in the online official campus directory.
Answer: A Huntington banker can help you with every step of the process. Call the Ann Arbor Northside branch at (734) 741-2616 or the Ann Arbor Liberty branch at (734) 302-1481 to talk to a banker at these locations.
Answer: Yes. We have a banker specifically dedicated to assisting University of Michigan faculty and staff. Contact Thorne O’Connor at (734) 887-8989 or thorne.p.oconnor@huntington.com to schedule informational group meetings or personal appointments.
Answer:
1. Choose a Huntington checking account.
If you already have a Huntington checking account, go to Step 2. If you don't have a Huntington checking account, you can open one in a branch, online, or by calling 800-480-BANK (2265).
Here's the information you'll need:
- Valid government-issued ID
- Your current Mcard
- Your current (US) mailing address
- Your (US) home address
- Phone number
- Social Security number or ITIN, if applicable
- Email address
2. Make sure you have a linkable yellow student, staff, or faculty Mcard.
A linkable yellow student, faculty or staff Mcard is not expired. If yours is expired, it's not linkable and you will need a new one. Contact the Mcard administration office for more info on getting a new card at mcardadmin@umich.edu or visit https://finance.umich.edu/treasury/mcard/get-your-mcard.
3. Link your Mcard at any Huntington branch.
Answer: You'll have access to two cards: your Mcard and a Huntington debit card. Every Huntington checking account comes with a debit card. You can use your Mcard or your Huntington debit card to make PIN-based purchases and ATM withdrawals tied to your checking account, and your Huntington debit card for signature-based or online transactions.
Answer: Once your Mcard is linked to your Huntington checking account, you can use it to withdraw cash from any ATM, make PIN-based checking account transactions, and still make Mcard transactions using the stored value (Blue Bucks, Dining Dollars, campus meal plan) on the card as you do already. Just tell the merchant which account to use when both Mcard transactions and PIN transactions are available.
Answer: Any time you use your Mcard to make PIN-based purchases or ATM withdrawals, you will see these transactions on your Huntington statement. They come out of your checking balance and will appear with your other checking account transactions. Transactions made with Blue Bucks, Dining Dollars, or campus meal plans will not pull money from your checking account and will not show up on your statement. These transactions will be applied to the stored value already on your card.
Answer: Stop into any Huntington branch or call 800-480-BANK (2265).
Answer:
Visit any Huntington branch or call 800-480-BANK (2265) to report your linked Mcard as lost or stolen. Do not request a replacement card from Huntington. Contact the access control administrator of all locations where the Mcard was used.
For example, if it was used in/for:
- Michigan Medicine - Contact the Key & ID Office. After business hours, contact Security Services (734) 936-7890.
- Housing meal plans or Blue Bucks - Inactivate your lost card online.
Answer: Mcard ID stations where a new card can be obtained can be found here. Visit a Huntington branch to link your replacement ID to your checking account.
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Mastercard® and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. All trademarks of the University of Michigan used under license. All third-party trademarks belong to their respective owners.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
† Standby Cash. Standby Cash is subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety Zone® services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it’s paid to a zero balance. Business checking accounts are not eligible for Standby Cash.
¶ Non-Huntington ATM. With Huntington Platinum Perks Checking, we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM as well as any international transaction or other fees charged by the network.
^ Monitoring Services. The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Experian Partner Solutions Study, 2022. Huntington Bank Customers that subscribed to Credit Score and ID Monitoring Services between December 2020 and December 2021, with bundles including periodic credit reports, VantageScores, and/or summaries. VantageScore change measured 3, 6, 9, and 12 months post-enroll.
§§ Alerts. Message and data rates may apply.
Ұ Interest Rate. The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks Checking account. Ask a banker to see a rate sheet for details. Your interest rates and APY will be determined based on your zip code.
¥ Financial Planning. Huntington Private Bank® is a team of professionals dedicated to delivering a full range of wealth and financial services. The team is comprised of Private Bankers, who offer premium banking solutions, Wealth and Investment Management professionals, who provide, among other services, trust and estate administration and portfolio management from The Huntington National Bank, and licensed investment representatives of The Huntington Investment Company, which offers securities and investment advisory services. Huntington Private Bank® is a federally registered service mark of Huntington Bancshares Incorporated.
Huntington Financial Advisors® is a service mark and trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.
Certain insurance products are offered by Huntington Insurance, Inc., a wholly-owned subsidiary of Huntington Bancshares Incorporated, and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
Trust and certain investment management services are provided by The Huntington National Bank, a national bank with fiduciary powers. The Huntington National Bank is a wholly-owned subsidiary of Huntington Bancshares Incorporated.
Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
## $50 Safety Zone® and 24-Hour Grace® Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/SafetyZone and huntington.com/Grace.
¶¶ Zelle. For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don't know the person or aren't sure you will get what you paid for, you should not use Zelle® for these types of transactions.
≠≠ Must have a bank account in the U.S. to use Zelle®.
†† Early Pay. You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.
‡‡ Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, or through Mobile Deposit may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.
Ł Relationship Rate Benefit. The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks Checking account. Ask a banker to see a rate sheet for details. Your interest rates and APY will be determined based on your zip code.
24-Hour Grace®, Money Scout®, $50 Safety Zone®, Standby Cash®, and Huntington Platinum Perks Checking® are federally registered service marks of Huntington Bancshares Incorporated. All Day Deposit℠ is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.