Huntington at a glance
Businesses in Huntington markets that want branch support alongside business banking services.
Business Checking 100
$0 published monthly fee under the current review data.
3 current tiers
Compare the full fee, waiver, transaction and cash-deposit structure below.
Regional bank
Businesses in Huntington markets that want branch support alongside business banking services.
Checking lineup and entry economics
Huntington currently has 3 business-checking tiers represented in our current review data. The table below is the fastest way to see whether the entry tier is sufficient or whether transaction, cash-deposit or relationship needs justify moving up. Huntington has one of the clearest three-step checking ladders in regional business banking: a true $0-maintenance entry account for lighter activity, then two unlimited-transaction tiers that scale cash handling, relationship waivers and treasury benefits.
| Account | Monthly fee | How the fee can be avoided | Operating allowance / notable feature |
|---|---|---|---|
| Business Checking 100 | $0 | No waiver needed | 100 included transactions; $2,500 monthly cash deposits at no charge; $0.50 per transaction over 100 |
| Unlimited Business Checking | $20 or $0 | $10,000 qualifying business deposit relationship balance or eligible personal relationship | Unlimited transactions; $10,000 monthly cash deposits at no charge; one bonus service |
| Unlimited Plus Business Checking | $40 or $0 | $50,000 qualifying business deposit relationship balance or eligible premium personal relationship | Unlimited transactions; $25,000 monthly cash deposits at no charge; interest bearing; two bonus services |
Operating fit and shortlist logic
Huntington is strongest for businesses in its Midwest footprint that want an easy progression from low-volume checking into unlimited transaction capacity. The key advantage is not just branch access: the published transaction and cash-deposit allowances are unusually straightforward, which makes it easier to forecast account costs as activity grows. Startups and lower-volume businesses that can stay within 100 transactions, plus growing companies that want unlimited transactions and predictable cash-deposit allowances without immediately moving to analyzed commercial checking.
Huntington stands out for pairing a true $0 Business Checking 100 entry account with unlimited-transaction tiers for companies that grow beyond a small monthly item count.
Compare Business Checking 100 with Unlimited Plus Business Checking before opening. The useful question is whether the lower tier remains workable after the next increase in payment volume, cash activity or staff access, not merely whether it looks inexpensive today.
Transactions, cash and payment workflow
Business Checking 100 includes up to 100 monthly transactions and $2,500 in branch or ATM cash deposits at no charge. Unlimited Business Checking removes transaction-count limits and raises included cash deposits to $10,000. Unlimited Plus keeps unlimited transactions, raises the cash allowance to $25,000 and pays interest on the collected balance.
A business can outgrow the free account quickly if it exceeds 100 transactions or $2,500 of monthly cash deposits. The relevant comparison is therefore the cost of excess activity versus moving to Unlimited Business Checking, not simply $0 versus $20.
For Business Checking 100, the current operating benchmark is: 100 included transactions; $2,500 monthly cash deposits at no charge; $0.50 per transaction over 100
At the upper end, Unlimited Plus Business Checking is positioned around: Unlimited transactions; $25,000 monthly cash deposits at no charge; interest bearing; two bonus services Use both figures against actual statements, including the busiest month, before deciding which tier is sustainable.
Relationship economics and total cost
Unlimited Business Checking carries a $20 monthly fee that can be waived with at least $10,000 in qualifying business deposit relationship balances or an eligible Huntington personal checking relationship. Unlimited Plus carries a $40 fee, with a $50,000 business deposit relationship threshold or qualifying premium personal relationship. Bonus services become more generous at the higher tiers.
The Unlimited tiers simplify forecasting for transaction-heavy businesses, and Unlimited Plus adds more cash capacity plus relationship features. This is especially useful when growth comes from many routine transactions rather than a small number of large payments.
The entry tier is currently listed at $0, while Unlimited Plus Business Checking is listed at $40 or $0 before qualifying waivers. Annualize those fees, then add likely excess transactions, cash processing, wires and optional treasury services.
Do not hold extra operating cash solely to make a checking account appear free without comparing the opportunity cost. A waiver is useful only when the qualifying balance or linked service fits the company naturally.
Growth path, treasury and control requirements
Huntington stands out for pairing a true $0 Business Checking 100 entry account with unlimited-transaction tiers for companies that grow beyond a small monthly item count.
The Unlimited tiers simplify forecasting for transaction-heavy businesses, and Unlimited Plus adds more cash capacity plus relationship features. This is especially useful when growth comes from many routine transactions rather than a small number of large payments.
A business can outgrow the free account quickly if it exceeds 100 transactions or $2,500 of monthly cash deposits. The relevant comparison is therefore the cost of excess activity versus moving to Unlimited Business Checking, not simply $0 versus $20.
Before the business scales, verify how Huntington handles additional users, payment approvals, ACH and wire limits, fraud controls, beneficiary changes and administrator recovery. Those controls can matter more than the difference between two maintenance fees.
What to verify before opening Huntington
Use the bank's current disclosures together with the company's last three months of statements. Confirm normal balances, item counts, cash deposits and the services finance staff will need after the account is opened.
| Decision point | Bank-specific check |
|---|---|
| Entry-tier economics | Confirm whether Business Checking 100 at $0 fits your normal balances and activity, not just the promotional or opening period. |
| Transactions and cash | Model your real monthly volume against the published allowance: 100 included transactions; $2,500 monthly cash deposits at no charge; $0.50 per transaction over 100 |
| Upgrade threshold | Compare the incremental cost and allowances of Unlimited Plus Business Checking before your activity forces an unplanned tier change. |
| Service model | Verify branch coverage, support access, user permissions, ACH/wire controls and merchant/treasury tools needed by your team. |
| Geographic/product availability | Confirm that the exact product and service set is available to your entity type and operating market. |
For Huntington, also confirm entity eligibility, opening documents, user roles and any separate enrollment for ACH, wires, positive pay, remote deposit or merchant services. Obtain current pricing for any service that is central to the operating workflow.
A particularly coherent regional-bank lineup: genuinely low-cost at the entry tier and operationally scalable for higher-volume businesses.
Startups and lower-volume businesses that can stay within 100 transactions, plus growing companies that want unlimited transactions and predictable cash-deposit allowances without immediately moving to analyzed commercial checking. The decision should ultimately be tested against Business Checking 100 today and Unlimited Plus Business Checking as the likely growth tier.
Primary sources
- Huntington business checking comparison
- Huntington Business Checking 100
- Huntington Unlimited Business Checking
- Huntington Unlimited Plus Business Checking