[OH, MI, IN, PA, KY, WV & IL] Huntington Bank $200/$500 Checking Promotion – Direct Deposit Not Required


Update 1/4/21: Extended until April 7, 2021. Hat tip to reader Mrs. Gee

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia
  • Direct deposit required: Not required
  • Additional requirements: Must be a U.S. Citizen
  • Hard/soft pull: Soft
  • Credit card funding: None
  • Monthly fees: $5, waivable
  • Early account termination fee: None
  • Household limit: None
  • U.S. Citizenship Required: Yes
  • Expiration date: March 31st, 2016  June 30, 2016 September 30th, 2016 January 31st, 2017 April 30th, 2017 July 31st, 2017 October 31st, 2017 January 7th, 2018 March 31st, 2018 June 30th, 2018 September 30th, 2018 December 31st, 2018 June 30th, 2019 October 7th, 2019 January 7th, 2020 April 7, 2021

The Offer

Direct Link to offers: $200 bonus or $500 bonus

  • Open a Huntington 5 Checking account and receive a $200 sign up bonus when you make total deposits of at least $1,000
  • Open a Huntington 25 checking account and receive a $500 sign up bonus when you make at least $15,000 in total deposits within 60 days



The Fine Print

  • $200/$500 bonus will be deposited within 14 days of meeting the requirements
  • Account must maintain an open account status for at least 90 days before it is eligible for the bonus payment.
  • Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships
  • This offer is not available to existing checking customers, including fiduciaries, or those with checking accounts closed within the last six months
  • Bank reserves the right to limit each customer to one new account related gift incentive per calendar year
  • This offer is only available to online applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Huntington 5 Checking Account ($200 Bonus)

This account has a $5 monthly fee which is waived if you have a relationship balance of $5,000+ per month.

Huntington 25 Checking Account ($500 Bonus)

This account has a $25 monthly fee. This is waived if you have a relationship balance of $25,000+ per month.

Early Account Termination Fee

They used to charge an early account termination fee but that is no longer charged. Account does need to be kept open for 90 days and then within 14 days of that the bonus will post

Bonus History

  • Update 1/26/19: Deal is back and valid until June 30th, 2019. Hat tip to reader Pat
  • Update 10/14/18: Deal is back but only the $200 offer is available and a direct deposit is required. I wouldn’t recommend this bonus. Hat tip to YAR.
  • Update: When you click through it says the $15,000 in deposits must be maintained for 90 days. This makes the deal considerably worse.

Our Verdict

It’s sometimes possible to receive $350 targeted bonuses with no direct deposit requirement (and sometimes these are also sold on eBay) but this is the best public bonus they offer. We don’t usually see the $500 bonus and it looks like you just need make $15,000 in total deposits rather than having $15,000 deposited at one time. Keep in mind the $25 monthly fee, but it might make sense to go for the $500 bonus and just pay a few months of $25 in fees. If I lived within the target area I’d definitely go for this bonus as no direct deposit is required. It’s kind of a hassle to keep the account fee free even on the $200 bonus, but you could just suck up the $5/$25 monthly fee or close the account (after bonus posts, minimum of 90 days) if you didn’t want to park $5,000/$25,000 (you’d be better off putting that money into a high interest account in my opinion).

We’ve added this bonus to our list of the best bank bonuses. You can view people’s experience with this bonus last time it was available here.

Useful posts regarding bank bonuses:

Hat tip to Maximizing Money

Post history:

  • Update 10/4/20: Extended until January 7, 2021. Hat tip to reader Kyle
  • Update 7/6/20: Deal has been extended until October 7th, 2020.
  • Update 5/7/20: $500 bonus is available again
  • Update 4/3/20: Extended until 7/7/20.
  • Update 1/4/20: Deal has been extended until April 7th, 2020. Hat tip to reader DP719
  • Update 10/17/19: Deal is back and valid until January 7th, 2020. Hat tip to reader Three Monks

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