Open a Business Analyzed Checking Account
Business Analyzed Checking was made to keep up with the high-volume activity and complex banking needs of your growing business. Customize your account with our wide range of treasury management services, use earnings credits to help offset service and transaction fees, and enjoy convenient online access to your account. Visit any Huntington branch to open a Business Analyzed Checking account.
Business Analyzed Checking Account Features
No Monthly Service Fee
Waive the $25 monthly service fee by maintaining a personal Huntington Platinum Perks Checking® account, Huntington SmartInvest Checking® account, or a Private Client Checking account#, or by using your earnings credit¥ to help offset the monthly service fee.
Offset Transaction and Cash Deposit Fees
Transaction and cash deposit fees apply, but can be offset by earnings credit based on your collected monthly average balance‡.
$25,000 Cash Deposits
Deposit up to $25,000 in cash or currency at a Huntington branch or ATM per month at no charge; $0.30 fee per $100 deposited over $25,000.
Paperless Statements
Receive Online Account Activity and Account Analysis statements each month, detailing your account transactions and service charges.
Treasury Management Services
We offer extensive treasury management services that help protect your information and streamline your financial processes such as our fraud tools, a discount on payroll services¶, or even a desktop check scanner at your business.
Business Checking Features
Huntington Debit MasterCard
Compare Business Checking Accounts
Unlimited Plus Business Checking
For larger businesses with high monthly transaction volume and treasury management needs. Unlimited transactions§ and choice of two Bonus Services.
Unlimited Business Checking
Created for businesses with higher checking activity and greater cash flow needs. Unlimited transactions§ and choice of one Bonus Service.
Business Checking 100
Ideal for start-ups and small businesses with lower balances and checking activity. Up to 100 monthly transactions§ and a free 120-day trial of a fraud tool: reverse positive pay.
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Business Trends and Insights
Business Analyzed Checking FAQs
Answer: An analyzed business checking account is a unique deposit product specifically for large businesses with high transaction activity, larger balances, and treasury management needs. Analyzed business checking accounts usually offer robust tools and services to help businesses manage transactions and cash flow, and typically offer an earnings credit rate to help offset banking fees.
Answer: An earnings credit rate is the interest rate calculated by banks to account for the money held in deposit accounts.
At Huntington, our Business Analyzed Checking account offers earnings credits to help balance service and transaction fees. Our earnings credit rates are determined by the bank and based on several factors including key market rates, competitive environment, and deposit balance.
Answer: At Huntington, Business Analyzed Checking is best for larger companies, nonprofits, public funds, and corporations with high monthly transaction volume (more than 600 transactions per month), an average monthly balance of $100,000 or more, and strong treasury management needs.
If you have questions about whether Business Analyzed Checking is right for your business, visit a Huntington branch or call us at (800) 480-2001.
Answer: You can open a Business Analyzed Checking account by visiting any Huntington branch.
If you have questions on the documents you might need, call us at (800) 480-2001 or visit a Huntington branch to learn more, but in general you’ll need:
- Valid and official forms of identification
- Social security number or employer identification number
- Legal document identifying the structure of the business and name of the business
- One or more representatives from the business who is authorized to open a bank account on behalf of the company
Not every employee or partner of a business is authorized to do banking on behalf of the business. To open an account, you’ll need an authorized representative to handle the paperwork with the bank.
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#The business can avoid the monthly checking maintenance fee for any statement period on this checking account when a business owner maintains a personal Huntington Platinum Perks Checking Account, Private Client Checking Account, or a SmartInvest Checking Account through that same statement period. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.
¥Some account service fees and charges for other services added to the account can be offset by earnings credit allowance based on the average collected balance in the account and the Earnings Credit Rate. Overdraft and Return Fees cannot be offset by earnings credit. Talk to a Huntington Banker for more information.
‡A transaction is not limited to checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases, and bill payments transactions made through Huntington's Online Bill Pay service. Branch/ATM Cash Deposits are include up to $25,000 each month, and then $0.30 for each $100 in branch/atm cash deposits in excess of $25,000.
ΩYour 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/BusinessGrace.
†Message and data rates may apply.
^Increments of $100 can be transferred from available funds in a business savings or business money market account, and the transfer fee is $0. See additional information in the Huntington Business Deposit Account Agreement.
¶Payroll processing services provided by Paychex, a third party commercial vendor. The Huntington National Bank is not an affiliate of Paychex, and does not provide, warrant, or guarantee their products or services.
§A transaction includes any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases, and bill payment transactions made through Huntington's Online Bill Pay service.