Open a Business Checking 100 Account Online
Ideal for start-ups, independent contractors, and small businesses with lower balance and checking activity. You get up to 100 transactions§ each month and a 120-day trial of our fraud mitigation tool, Reverse Positive Pay. Apply for the Business Checking 100 account online today.
Business Checking 100 Account Features
No Monthly Maintenance Fees
With the Business Checking 100 account, there are no monthly maintenance fees.
Fraud Tool Free Trial
Receive a 120-day free trial of our fraud tool, Reverse Positive Pay, which can help you detect fraudulent, altered, or counterfeit checks.
100 Monthly Transactions
Get up to 100 transactions§ per month, including checks paid, incoming ACH debits and credits, and debit card purchases at no cost; $0.50 per transactions over 100.
$2,500 Cash Deposits
Deposit up to $2,500 in cash or currency at a Huntington branch or ATM per month at no charge; $0.30 fee per $100 deposited over $2,500#.
Business Checking Features
24-Hour Grace® for Business
Our 24-Hour Grace feature is designed to give you more time to make a deposit in order to avoid an overdraft or return feeΩ.
The Hub
Huntington's digital tools help make managing revenue and expenses easier than ever.
Email & Text Alerts
Free email and text alerts provide updates on your account so you can keep up with your business's finances †.
Overdraft Protection
Money can be automatically transferred to your business checking from a linked business savings account, business money market account, business line of credit, or Voice Business Credit Card℠ to cover overdrafts and returns^.
Online Banking & Mobile App
Securely monitor and pay bills from your company's accounts on any device through online banking or the Huntington Mobile app.
Treasury Management & Fraud Tools
Flexible solutions for payables and receivables management, payroll services¶, and electronic and paper-based fraud prevention.
Let's get down to business.
Answer a few quick questions and we'll recommend which checking and savings account may be right for you.
Huntington Debit MasterCard
Voice Business Credit Card℠
Business Trends and Insights
Business Checking 100 FAQs
Answer: You can open a Business Checking 100 account online or 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.
Answer: No, Business Checking 100 is not an interest-bearing account. Huntington offers one business checking account that earns interest: Unlimited Plus Business Checking.
You can also compare business checking accounts to see which is the best for your business.
Answer: Reverse Positive Pay is a treasury management tool from Huntington that helps to provide the detection of fraudulent, altered, or counterfeit checks through a daily report of presented items (excluding checks cashed at a Huntington branch) added to Huntington's online banking platform for you to review. Each day, you'll review the checks and let us know if they should be paid, returned, or corrected. All items without a decision will be paid once the decision period ends.
Answer: Once the 120-day free trial of Reverse Positive Pay ends, the tool costs $8 per month.
Answer: Business Checking 100 allows for up to 100 transactions per month and up to $2,500 of in-branch or ATM cash deposits per month at no charge. If you exceed these monthly limits:
- $0.50 fee for each transaction over 100
- $0.30 fee per $100 of in-branch or ATM cash deposits over $2,500
Contact Us
Speak with Us
M–F, 8:00 a.m. to 7:00 p.m. ET
Sat., 8:00 a.m. to 2:00 p.m. ET
Ask us Online
You have a few ways to get help
Find a Branch
Find your nearest Huntington Branch
§Huntington Business Checking 100 provides 100 transactions ($0.50 per transaction over 100) during each monthly statement cycle. A “transaction” is 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.
#Huntington Business Checking 100 provides up to $2,500 in cash or currency deposits monthly in-branch or at an ATM at no charge for each statement cycle; $0.30 fee for each $100 thereafter.
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 charges may apply.
^Increments of $100 can be transferred from a business line of credit, up to the available credit limit. Remember that the terms and conditions for funding still apply, such as interest and transaction limitations.
Transfers in the exact amount of the overdraft or return can be made automatically from a Voice Business Credit Card®, up to 10% of the available credit limit and subject to the applicable cash advance APR. Terms and conditions for funding account still apply, such as paying interest on the credit lines. Not subject to grace periods.
¶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.
Mastercard Brand Marks are registered trademarks of Mastercard International Incorporated.