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The Huntington National Bank in Columbus, OH
Huntington National Bank is a full-service bank offering checking, savings, loans, credit cards, investing, and insurance products with FDIC protection and relationship-focused service.
Data compiled from public sources · Rating from CreditDoc methodology
The Huntington National Bank Review
S. S. Government.
The bank has expanded its reach through the recent acquisition of Cadence Bank, bringing operations across the Midwest and South with additional digital capabilities and regional presence. Huntington offers a comprehensive suite of consumer and business financial products. 82% APY), credit cards, home/auto/personal loans, investing services, financial advisory, retirement planning, trusts, and insurance products (home, auto, and life).
For business customers, they provide dedicated commercial banking and business checking accounts. The bank emphasizes online banking enrollment and digital account opening. Huntington positions itself as a relationship-focused institution, marketing its "Perks Checking" account that grows with customers' needs and offers rate benefits tied to linked savings accounts.
The bank also demonstrates community investment through partnerships like sponsoring PGA TOUR University for collegiate athletes and supporting the Ron Clark Academy and Pelotonia programs. Their website includes educational content on financial topics and weekly market analysis from wealth management experts. As a large, established bank with FDIC insurance and broad product offerings, Huntington is a traditional banking option rather than a specialized lender.
Customers seeking competitive rates or specialized services (like credit repair or emergency small loans) may find better options elsewhere, and the lack of specific APR/fee details on their website requires direct inquiry for accurate rate comparisons.
Services & Features
Auto loans
Business checking and commercial banking
Credit cards with rewards
FDIC-insured checking accounts (Perks Checking)
High-yield savings accounts (Huntington Relationship Savings)
Home loans and mortgages
Home, auto, and life insurance products
Money Market accounts (Huntington Relationship Money Market)
Online banking and digital account management
Online investing and financial advisory services
Personal loans
Retirement planning and trust services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- FDIC-insured deposits backed by the U.S. Government full faith and credit
- Competitive high-yield savings rates (3.20%-3.82% APY on Money Market, 2.98%-3.55% APY on Savings accounts)
- Comprehensive product suite including checking, savings, loans, credit cards, investing, and insurance in one institution
- Online account opening and digital banking enrollment available
- Relationship-based benefits through Perks Checking with tiered rate improvements for linked accounts
- Expanded geographic reach and digital capabilities following Cadence Bank acquisition
- Active community partnerships and educational financial content
Cons
- Specific minimum deposit requirements ($25,000 for Money Market, $5,000 for Savings) may exclude some customers
- No APR, fee structures, or specific loan terms disclosed on website—requires direct inquiry
- Large institution may lack personalized service compared to community banks or credit unions
- Investment products explicitly noted as not FDIC-insured and may lose value
- Website content does not detail customer service hours, branch locations, or account opening timeline
Rating Breakdown
Value 5.0
Effectiveness 3.7
Customer Service 3.8
Transparency 4.0
Ease of Use 4.5
Frequently Asked Questions
Is The Huntington National Bank legitimate?
Yes. The Huntington National Bank is a registered company, headquartered in Columbus, OH, founded in 1866.
How long does The Huntington National Bank take to show results?
Account opening typically takes 1-3 business days. Loan decisions vary by product.
Quick Facts
- Founded
- 1866
- Headquarters
- Columbus, OH
- BBB Accredited
- No
- Certifications
- FDIC Insured FDIC Cert #6560
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on The Huntington National Bank
Huntington is best for established customers or those new to banking seeking a traditional, full-service bank with FDIC protection, competitive savings rates, and integrated financial services. The main caveat is that detailed terms, APRs, and fees are not transparently displayed on their website, requiring direct contact for rate and cost comparisons.
Best For
- Customers seeking FDIC-protected deposits with competitive savings rates and full banking services
- Business owners needing dedicated commercial banking and business checking accounts
- Individuals wanting integrated banking, investing, and insurance under one institution
- Customers in Huntington or Cadence Bank service areas (Midwest and South) preferring established bank relationships
Updated 2026-04-29
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