ASTERISK-FREE CHECKING
Monthly Maintenance Fee
NONE
No monthly maintenance fees for this account.
ATM Fees
NONE
Huntington ATM transactions, transfers and mini-statements.
$3.00
Each non-Huntington ATM transaction; plus any fee charged by ATM owner.
$2.00
Each Huntington ATM extended statement.
International Transactions
3%
Fee charged on the amount posted for each debit card or ATM transaction
processed in a foreign currency or outside the U.S., in addition to any fee
added by a network or charged by an ATM owner. Exchange rate may affect
posted amount.
Statements
Free
Have your monthly statement delivered electronically or mailed to you.
Ordering Checks
Varies
Depends upon the style you choose.
Minimum Deposit to Open
None
No minimum deposit needed to open the account.
Interest Bearing
No
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EVERYDAY ACCOUNT MANAGEMENT
OVERDRAFT PROTECTION PLAN TRANSFER FEES
Deposit to Deposit
NONE
Transfer from a linked savings or money market deposit account.
Credit Card
NONE
Transfers will be treated as Cash Advances with no grace period and subject
to the Cash Advance APR.
Personal Credit Line
NONE
Transfers subject to Personal Credit Line APR with no grace period.
Checking Reserve Account
$12.00
Monthly participation fee charged to your checking reserve account.
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OVERDRAFT AND RETURN FEES
Overdraft Fee
Fee charged if we allow
transactions to go through even
though you don’t have enough
money in your account.
$37.50
Per occurrence of an overdraft item, except $23 for first occurrence in prior
1-year period. No overdraft fees unless final account balance for the day is
overdrawn by more than $4.99. Limit of 4 fees per day. Examples are
overdrafts caused by check, in-person withdrawal, debit card purchase, ATM
withdrawal or other electronic means.
Return Fee
Fee charged when you don’t have
enough money in your account
and we return an item (for
example, a check is “bounced” or
a transaction is returned unpaid).
$37.50
Per occurrence of a returned item, except $23 for first occurrence in prior
1-year period. Limit of 4 fees per day. Examples are return of checks and
transfers, or withdrawals by electronic means.
For both overdraft and return fees, an “occurrence” means a day for which there is at least one transaction in your
account to cover whether we pay or return the transaction and whether or not we charge a fee.
See next page for more information >>
3
OVERDRAFT AND RETURN FEES – CONTINUED
Extended Overdraft Fee
$25.00
If your account is overdrawn for five consecutive business days, we will
charge you a fee on the next business day (if your account is still overdrawn),
and then again on every fifth business day while your account remains
overdrawn, up to a maximum of four $25 fees (or $100) during that time.
There is no fee if your balance is overdrawn by less than $10, meaning your
account balance is negative $0.01 to negative $9.99. Counts as being
overdrawn when caused by any debit.
Remember, if we decide to waive a fee, the terms of the Account Documents will not change and we are not required to
waive that fee again in the future.
ATM & Debit Card Transactions: We generally won’t
authorize ATM or debit card transactions when you don’t
have enough money available in your account unless you
opt in to overdraft options for ATM and Debit card
transactions. Learn more at
https://www.huntington.com/disclosures/REGEODDISCLOSURE.pdf
See your Account Documents under “Special Rules for
Pending Transactions” for an explanation of how ATM and
debit card transactions impact when we charge Overdraft
Fees or Return Fees.
Sometimes, even if you have opted out of ATM and Debit
card transactions, those transactions may cause an
overdraft in your account even if there is not enough money
available. In that case, we will NOT charge an Overdraft Fee.
As a result, you may incur more Overdraft Fees from us
when you opt in to overdraft options for ATM and Debit
cards.
Other Types of Transactions: You have the option to
request that we pay or return check or ACH transactions
when there is not enough money in your Account. This
election is separate from your opt-in or opt-out choice for
ATM and Debit card transactions..
24-Hour Grace ®: For any business day that your account is
overdrawn at the end of the day and one or more Overdraft
Fees are incurred, we will waive those Overdraft Fees if
your account is not overdrawn by more than $4.99 at the
end of the next business day. Any deposit to cure the
overdraft must be made prior to midnight CT at the end of
that next business day. In figuring the amount needed to
cure the overdraft, remember to take into consideration
other transactions, such as checks or other debits that may
be posted to your account that will affect the amount
needed to cure. We are unaware of these other transactions
until they are presented to us for payment, and usually that
is not until we finish processing after the end of that next
business day. This means only you know all of your
transactions that may affect the amount needed for
24-Hour Grace to apply. 24-Hour Grace does not apply to
Extended Overdraft Fees or Return Fees, nor does it affect
the number of overdraft occurrences for purposes of
determining the amount of an Overdraft Fee.
Please visit huntington.com/grace for further details about
this service.
Remember, the decision to pay, return, or decline any
transaction is at our discretion regardless of the
elections you make.
TRANSACTION POSTING ORDER
On Business Days, we post deposits and credits first, followed by specific categories of debits, which may include checks,
ACH transactions, and electronic transactions (such as Debit Card and ATM transactions). Fees and interest (if any) are
posted last. Within the specific categories of debits:
• We post electronic transactions in chronological order using the date and time assigned to the transaction
and that date and time could be in a different time zone from where you are conducting the transaction.
• We post checks in check number order, unless the check is cashed in the branch, in which case we post those
checks first.
• We post other transactions in low-to-high order based on amount within their specific categories.
We try and post debit transactions in the order in which you spent your money. Because the transactions involved in
posting order can vary from customer to customer, the description above is generally how we handle transaction posting
order. However, we may change our transaction posting order at any time in our discretion without notice to you.
See next page for more information >>
4
OTHER SERVICES FROM HUNTINGTON
Stopping Payment
$31.00
Each request to stop a payment.
Return Deposit Item
$10.00
Each item you deposit that is rejected by another financial institution and
returned to us.
Foreign Currency Fee
$8.00
Fee for depositing or ordering foreign currency; exchange rates will apply.
Expedited Delivery
$25.00
Fee for expedited delivery of your debit or ATM card.
Cashier Check
$6.00
Per check
Traveler’s Cheques
2%
Of face value
Wire Transfers – Domestic
Incoming
$15.00
Each Domestic Incoming Wire Transfer.
Wire Transfers Foreign/International Incoming
$15.00
Each Foreign/Inter
national Incoming Wire Transfer.
Wire Transfers – Domestic
Outgoing
$25.00
Each Domestic Outgoing Wire Transfer.
Wire Transfers Foreign/International Outgoing
$75.00
Each Foriegn/International Outgoing Wire Transfer.
Image Statement
$2.00
Each periodic statement with images of cleared checks.
Document Copies
$5.00
Per request
Garnishment
$75.00
Maximum amount that will be charged for processing a garnishment order.
Dormant Account
$5.00
Per month charge if account is inactive for 12 months; waived if you have
at least a $50 balance after adding all of your personal deposit account
balances with us or for minor accounts. Not charged for accounts in FL.
The Huntington National Bank is an Equal Housing Lender and Member FDIC.
®, Huntington ® Asterisk-Free
Checking ® and 24-Hour Grace ® are federally registered trademarks of Huntington Bancshares Incorporated.
Huntington.Welcome.SM is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system
and method is patented. US Pat. No. 8,364,581. © 2018 Huntington Bancshares Incorporated.
FORM: RRASTERISKFREECHKRPAC (03/18)