Private Client Account

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.

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.

^Ɫ A Managed Investment account is an account where a financial advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying Managed Investment accounts include an investment management account offered through the Huntington Private Bank^® or an investment advisory account offered through the Bank’s affiliated registered investment adviser, Huntington Financial Advisors^®. Accounts titled as corporate, business, and/or trust are not eligible.

^¶The interest rate on your Relationship Money Market or Relationship Savings account may be better when you also own a Private Client Account.

^§Unlimited non-Huntington ATM Fee Refunds: Waiver of non-Huntington ATM Cash Withdrawal fees assessed by Huntington. Huntington will also reimburse you for fees on the same transactions charged by the owner of a non-Huntington ATM or other terminal. You will be responsible for any additional fees for ATM transactions charged by the owner of a non-Huntington ATM, and such fees may be included as part of the withdrawal amount. Unlimited International ATM or Debit Card Fee Refunds: No charge from Huntington on the amount posted for each debit card or ATM transaction processed in a foreign currency or outside the U.S. In addition, refund of cash withdrawal fee added by the network or foreign ATM operator.

^#You may qualify for a bonus on points earned for rewards on your Voice Credit Card when you open a new consumer checking account. You must have chosen the Rewards option on your Voice Credit Card and maintain the consumer deposit account to qualify. If you choose the Rewards option and you also open a Private Client Account or Huntington Platinum Perks Checking^®, you will get a 25% bonus. If you open a Huntington Perks Checking^®, you will get a 5% bonus. You must maintain your Private Client Account, Platinum Perks Checking or Perks Checking and your Huntington Voice Credit Card^® to continue to qualify for the Rewards bonus. After your accounts are linked, the bonus is calculated on the single points earned for each transaction and is not calculated on any bonus points, including any bonus points earned in the 3X Rewards category. Please review your Voice Rewards Terms and Conditions for more information.

^‡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.

^¥Limits may be established on the number of checks and the total dollar amount of checks deposited through Huntington mobile deposit. Limits may vary by customer and may change over time. Customers can view their limits from within mobile app.

^††Balance in your PCA of at least $50,000. You can avoid the monthly membership fee for any statement period when you maintain at least an average daily balance of $50,000 in this or any other PCA on which you are an owner.

^‡‡Total Relationship Deposit Balance of at least $100,000. You can avoid the monthly membership fee for any statement period when you maintain a Total Relationship Deposit Balance of at least $100,000. Eligible deposits for the Total Relationship Deposit Balance are this account and any other consumer checking, money market, savings, or certificate of deposit (CD) account(s) on which you are an owner. We figure the Total Relationship Deposit Balance each month by adding the qualifying balances, as we determine them, for all of your eligible deposit accounts to the average daily balance of this checking account for the monthly statement period.

^ҰTotal Relationship Balance of at least $500,000. You can avoid the monthly membership fee for any statement period when you maintain a Total Relationship Balance of at least $500,000. Eligible deposits and investments for the Total Relationship Balance include deposits held directly with us or investments made through us or our affiliate, Huntington Financial Advisors^® (HFA). Eligible deposits are this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts on which you are an owner. Eligible investments are those in your name made through 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, 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.

^†Huntington Financial Advisors^® is a federally registered service mark and a 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). The Huntington Investment is a wholly-owned subsidiary of Huntington Bancshares Incorporated.

^ⱠEarn 3x rewards in the one category you choose from ten pre-selected categories, up to $2,000 in spend per quarter. You may select your category once within the first 30 days of opening a new account then again prior to the start of each quarter for the next quarter. Earn 1x rewards even after you reach the quarterly limit. Plus earn an unlimited 1x rewards on all other purchases. 10,000 rewards points equals $100.

^πThe Lower Interest Rate Card does not earn rewards. See the Voice Credit Card Terms and Conditions.

^≠"Spend" does not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

SmartInvest^®, SmartInvest Checking^®, SmartInvest Money Market^®, Huntington Financial Advisors^®, Huntington Perks Checking^®, Huntington Platinum Perks Checking^® and Voice Credit Card^® are federally registered service marks of Huntington Bancshares Incorporated.