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To be eligible for this offer, click Apply Online or Open at a Branch from this page, so that the promotion code is claimed at time of account opening. This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia or Wisconsin.

^¶Cash Bonus Offer. To qualify for a $200 cash bonus, you are required to do ALL of the following: 1) Open a new Asterisk-Free Checking account with your promotion code by February 7, 2025. 2) Set up and receive total qualifying direct deposits of $500 or more within 90 days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension or government payments (such as Social Security). Deposits that DO NOT QUALIFY are those through the Real-Time Payments (RTP) network, and payments through peer-to-peer networks such as PayPal, Zelle, Venmo or others. These do not qualify as direct deposits. Transfers from another Huntington deposit account also do not qualify. 3) Maintain an open account status in the eligible checking account for 90 days.

To qualify for a $400 cash bonus, you are required to do ALL of the following: 1) Open a new Huntington Perks Checking account with your promotion code by February 7, 2025. 2) Set up and receive total qualifying direct deposits of $500 or more within 90 days from account opening. Qualifying direct deposits are regular, periodic automated clearing house (ACH) credits, which may include payroll, salary, pension or government payments (such as Social Security). Deposits that DO NOT QUALIFY are those through the Real-Time Payments (RTP) network, and payments through peer-to-peer networks such as PayPal, Zelle, Venmo or others. These do not qualify as direct deposits. Transfers from another Huntington deposit account also do not qualify. 3) Maintain an open account status in the eligible checking account for 90 days.

To qualify for a $600 cash bonus, you are required to do ALL of the following: 1) Open a new Huntington Platinum Perks Checking account with your promotion code by February 7, 2025. 2) Make total new money deposits into your new Platinum Perks checking account of at least $25,000 or more within ninety (90) days from account opening. "New money" is defined as money that is not currently on deposit in any Huntington account (except maturing personal CDs). 3) Maintain an open account status in the eligible checking account for 90 days.

The bonus will be deposited into your new checking account within 14 days of meeting the promotion requirements stated above. Your checking account must remain in an open status in order to receive the bonus.

This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship (including fiduciary) to any other Huntington personal checking account, or those who closed a checking account within the last six months, are not eligible. Eligible checking accounts for this offer are: Asterisk-Free Checking, Huntington Perks Checking and Huntington Platinum Perks Checking.

Transfers from another Huntington deposit account do not count as a deposit. This offer cannot be used in combination with any other consumer checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus. Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

^†Interest Rate. Huntington Perks Checking and Huntington Platinum Perks Checking are interest-bearing accounts. The annual percentage yield (APY) for Huntington Perks Checking is 0.02% and for Huntington Platinum Perks Checking is 0.03%. Earn interest on account balance in all balance tiers. Rates are variable and may change; fees may reduce earnings. Rates are current as of today's date.

^ΩNon-Huntington ATM. With Huntington Platinum Perks Checking, we'll waive all & with Huntington Perks Checking your first 5 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.

^{^}Total Relationship Balances. Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. You can avoid the monthly checking maintenance fee for any statement period for Huntington Platinum Perks Checking if you keep a Total Relationship Balance of at least $25,000 in eligible deposits. Eligible deposits are deposits held directly with us or investments made through our affiliate, Huntington Financial Advisors^® (HFA). They include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name, made through us or which HFA reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank^®, as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.

^††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.

^##$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. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

^≠≠Must have a bank account in the U.S. to use Zelle^®.

^{^^}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.

^‡‡Alerts. Message and data rates may apply.

^ŁŁBusiness Checking Maintenance Fee with Perks Checking. The business can avoid the monthly checking maintenance fee ($20.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $10,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Perks Checking^® Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.

^§§Business Checking Maintenance Fee with Platinum Checking. The business can avoid the monthly checking maintenance fee ($40.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $50,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business 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. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.

Asterisk-Free Checking^®, Huntington Perks Checking^®, Huntington Platinum Perks Checking^®, , , , 24-Hour Grace^®, and $50 Safety Zone^® are federally registered service marks of Huntington Bancshares Incorporated. Savings Goal Getter^℠, Spend Setter^℠, Look Ahead Calendar^℠, and All Day Deposit^℠ are service marks of Huntington Bancshares Incorporated. The 24-Hour Grace^® system and method is patented. US Pat. No. 8,364,581, 8,781,955, 10,475,118, and others pending.