Huntington Bank Unlimited Business Checking
Earn $400 on a business checking account built for higher transaction volumes
Updated August 17, 2026 · By the MoneyAtlas Editorial Team
on Huntington's site
Why we rate it 3.6/5
The $400 bonus is easy to hit, but the $20 monthly fee needs a $10,000 balance to disappear.
A $20 monthly fee that only clears at a $10,000 balance or with a Huntington personal account, against fee-free competitors on the same shelf.
Two business checking tiers plus a full commercial lineup, so there is somewhere to move as the business grows.
Assigned business bankers and an established regional branch bank rather than a support queue.
Competent digital banking with payment and cash flow tools, though it is not the fintech-grade stack the digital-only competitors ship.
A dense branch network inside the Midwest footprint and nothing at all outside it.
Huntington Unlimited Business Checking sits in the middle of Huntington's business lineup. It is aimed at a company that has outgrown a starter account and now moves enough money each month that transaction caps get annoying. Right now it carries a $400 opening offer, which puts it alongside the other bank account bonuses worth tracking. The offer requires opening the account by October 14, 2026.
How the $400 bonus works
Huntington pays $400 for opening a new Unlimited Business Checking account and meeting three conditions. You need $5,000 or more in new money deposits within 60 days of opening, and the account has to stay open for 90 days. New money means funds arriving from outside Huntington, so shifting a balance from an account you already hold there does not count.
How to earn the Huntington $400 business checking bonus
- 1
Open the account by October 14, 2026
The promotional window closes on October 14, 2026. Applications after that date do not qualify, no matter how much you deposit.
- 2
Deposit $5,000 in new money within 60 days
The clock starts the day the account opens. Funds have to come from outside Huntington, so a transfer from an existing Huntington account will not count toward the threshold.
- 3
Keep the account open for 90 days
There is no transaction quota and no ongoing balance requirement attached to the bonus itself. You simply need the account active through the 90-day mark.
- 4
Watch the monthly fee while you wait
The $20 monthly service fee still applies during the qualification period unless you hold $10,000 or have a qualifying Huntington personal checking account. Three months of unwaived fees takes $60 off the $400.
Unlimited vs Unlimited Plus
Huntington runs a second tier, Unlimited Plus Business Checking, aimed at established businesses with heavier cash flow. It pays a larger bonus and is interest bearing, but the qualification bar and the monthly fee are both roughly double. The table below lays the two side by side.
What it costs
The headline number is a $20 monthly service fee. Two things clear it: a $10,000 balance, or a qualifying Huntington personal checking account. For a business already banking personally with Huntington, the fee is effectively zero. For a newer business without that relationship, $240 a year is a real cost against a one-time $400 bonus.
Cash-handling businesses get free branch and ATM cash and currency deposits up to $10,000 a month, then $0.30 per $100 above that. A retailer depositing $25,000 in cash monthly would pay $45 in excess deposit fees, which is the point where Unlimited Plus and its $25,000 allowance starts to pay for itself. Paper statements cost $5 a month and the fee goes away if you switch to online statements.
Who it fits
This account suits a business with steady checking activity, moderate cash deposits, and either a $10,000 operating balance or an existing Huntington personal account. It is a poor fit if your operating cash sits idle, because the account is non-interest bearing, or if you are outside Huntington's branch footprint. Businesses that want a fee-free digital account with no balance requirement should look at the fintech options on our best business checking accounts page instead.
Compare
Before you apply
Have your EIN, formation documents, and owner identification ready before you start. Our checklist on what you need to open a business bank account covers the paperwork by entity type. Business deposits at Huntington are FDIC-insured up to the standard limits.
FAQ
Pros
Straightforward $400 bonus: The bar is $5,000 in new deposits within 60 days and keeping the account open for 90 days, with no transaction quota to track.
Room for higher volume: Monthly branch and ATM cash deposits are free up to $10,000, which covers most cash-handling small businesses without an excess fee.
A waivable fee and a free bonus service: Holding $10,000 or keeping a Huntington personal checking account clears the $20, and you choose one complimentary service.
Cons
The account earns nothing: Unlimited Business Checking is non-interest bearing, so idle operating cash sits at 0% unless you move it somewhere else.
Regional availability: Huntington is a Midwest bank, so this account is not an option for a business outside its branch footprint.
The fee waiver asks a lot: A $10,000 balance is a high bar for a young business, and the alternative is opening a personal account you may not want.