Huntington Bank does offer a student checking account called the Student Checking account

Huntington Bank's Student Checking account is designed for customers under 24 years old who are enrolled in a college or university. The account comes with no monthly maintenance fee as long as you meet the age and enrollment requirements. Once you turn 24 or are no longer a full-time student, the account converts to a standard checking account, which may have different fees depending on the account type you choose at that time.

The account includes a debit card, online banking access, and mobile banking through Huntington's app. You can make deposits at any Huntington branch or through ATMs in the MoneyPass network, which has thousands of locations nationwide. Direct deposit is available, and you can set up automatic bill payments through the online platform.

Key Takeaways

  • Huntington's Student Checking account has no monthly maintenance fee while you are under 24 and enrolled full-time in college.
  • The account converts to a standard checking account when you turn 24 or stop being a full-time student, and fees may explore at that point.
  • You get a debit card, online banking, mobile app access, and the ability to use MoneyPass ATMs across the country.
  • You will need to open the account in person at a Huntington branch or online, and you must provide proof of enrollment and a valid ID.

What you need to open a Student Checking account

To open a Student Checking account at Huntington, you must be under 24 years old and enrolled as a full-time student at an accredited college or university. You will need a valid government-issued ID (driver's license, passport, or state ID) and proof of current enrollment. Most schools provide enrollment verification letters, which you can request from your registrar's office. Some Huntington branches may also accept a current student ID card as proof of enrollment.

You can open the account online through Huntington's website or in person at any Huntington branch. If you open online, you may need to visit a branch later to verify your enrollment status. The minimum opening deposit varies by location, so contact your local branch or check the Huntington website for the current requirement in your area.

Fees and account limits

The Student Checking account has no monthly maintenance fee while you meet the student and age requirements. However, other fees may explore for specific transactions or actions. Overdraft fees, out-of-network ATM fees, and fees for stopping payment on a check are possible, depending on your account activity. Huntington offers overdraft protection options that you can set up to link your checking account to a savings account or credit line to cover overdrafts.

There is no limit on the number of debit card transactions you can make per month. However, if you link a savings account for overdraft protection, federal regulations limit certain types of transfers from savings to six per month. Check Huntington's current fee schedule on their website or ask at your branch for a complete list of fees that may explore to your account.

What happens when you turn 24 or graduate

When you turn 24 or are no longer enrolled as a full-time student, Huntington will convert your Student Checking account to a standard checking account. The conversion is automatic, and you do not need to do anything. However, the new account type may have a monthly maintenance fee, which varies depending on the account you are converted to. Huntington typically converts student accounts to their basic checking product, which may have a fee unless you meet certain conditions like maintaining a minimum balance or setting up direct deposit.

Before the conversion happens, Huntington will send you a notice explaining the new account terms and any fees that will explore. You can contact Huntington before the conversion to discuss other account options that might work better for your situation, or you can switch to a different account type after the conversion takes place.

How to manage your account online and on mobile

Huntington's online banking platform lets you check your balance, view transactions, transfer money between your accounts, and set up bill payments from any computer or device with internet access. You can also read statements and manage your debit card settings, such as turning your card on or off if it is lost or stolen.

The Huntington mobile app offers the same core features as online banking, plus the ability to deposit checks by taking a photo of the front and back. You can also receive push notifications for transactions, set up spending alerts, and locate nearby Huntington branches and ATMs. The app is available for both iOS and Android devices.

Using ATMs and making deposits

Huntington has thousands of branches and ATMs across the Midwest and Mid-Atlantic regions. You can withdraw cash and make deposits at any Huntington ATM with no fee. If you use an ATM outside the Huntington network, MoneyPass ATMs are fee-free for withdrawals and deposits. MoneyPass has over 30,000 ATMs nationwide, including locations in grocery stores, pharmacies, and convenience stores.

You can also deposit checks through mobile check deposit in the Huntington app, mail checks to Huntington, or visit a branch in person. Direct deposit of paychecks or other regular income can be set up through your employer or the organization sending the payment. Ask your employer's payroll department for Huntington's routing number and your account number to set up direct deposit.

Comparing Huntington's Student Checking to other student accounts

Many banks offer student checking accounts with similar features: no monthly fee while enrolled, a debit card, online banking, and mobile deposit. The main differences are usually in the network of ATMs available, the minimum opening deposit, and what happens when you graduate. Some banks charge a fee when ready after graduation, while others give you a grace period before converting your account.

Huntington's advantage is its large branch network in the Midwest and Mid-Atlantic, which is useful if you live or study in those regions. If you attend school in a different part of the country, you may find a bank with more local branches near your campus. Compare the ATM networks, branch locations, and fee structures of a few banks to see which one works best for where you live and study.

Frequently Asked Questions

Can I open a Student Checking account online?

Yes, you can start the process online through Huntington's website. However, you may need to visit a branch in person to verify your enrollment status and complete the account opening. Contact your local Huntington branch to confirm what documents you need to bring.

What happens if I move and there is no Huntington branch near me?

You can continue using your account through online banking, mobile banking, and the MoneyPass ATM network. You can also mail deposits to Huntington or set up direct deposit. If you need in-person services, you may want to consider switching to a bank with branches in your new location.

Can I have overdraft protection on my Student Checking account?

Yes, Huntington offers overdraft protection that links your checking account to a savings account or credit line. If you overdraw your checking account, the bank can transfer money from the linked account to cover the shortage. Ask at your branch or online about setting up this service.

Do I need to keep a minimum balance?

Huntington's Student Checking account has no minimum balance requirement to avoid fees. However, the account you convert to after graduation may have a minimum balance requirement. Check with Huntington about the specific account you will be converted to when you turn 24 or graduate.

Can I use my Student Checking debit card outside the United States?

Yes, you can use your Huntington debit card internationally at ATMs and merchants that accept Visa. However, Huntington may charge a foreign transaction fee, typically a percentage of the amount withdrawn or spent. Contact Huntington before traveling to learn about current international fees and to let them know you will be using your card abroad.