Huntington Bank 24-Hour Grace Overdraft Fee Relief

Huntington Bank 24-Hour Grace Overdraft Fee Relief: Huntington has their own unique overdraft fee relief feature that comes free with all Huntington consumer Checking, Savings, and Money Market deposit accounts. Huntington Bank 24-Hour Grace Overdraft Fee Relief

Huntington Bank is currently available in the following states: IN, KY, MI, OH, PA, WV, IL, WI. Huntington Bank 24-Hour Grace Overdraft Fee Relief.

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Huntington Bank 24-Hour Grace Overdraft Fee Relief

Their 24-Hour Grace feature is designed to give you more time to make a deposit in order to avoid an Overdraft Fee. How do you avoid an overdraft fee? Just simply make a sufficient deposit that meets the following criteria:

• Right Time: Huntington Bank 24-Hour Grace Overdraft Fee Relief
  • Make a deposit before midnight the next business day.
• Right Amount: Huntington Bank 24-Hour Grace Overdraft Fee Relief
  • Make a deposit or transfer that brings your account balance positive.

Huntington wants you to avoid overdraft fees. Having a clearer understanding of overdrafts is a good place to start. Learn More

Tips to help you maintain a positive balance.

• The best way to avoid spending more than you have is to ensure your balance doesn’t dip below zero. We can help you do that when you:
  • Link Your Accounts: Link your Savings or Money Market account to your Checking account, and when you overdraw, we’ll transfer your money to cover the deficit, free of charge. (Regulations limit the number of transfers that can be made during the statement period or calendar month). Learn More
  • Account Alerts: Sign up for our free text and email Account Alerts, and we’ll let you know when your balance gets too low. Carrier’s message and data rates may apply. Learn More Huntington Bank 24-Hour Grace Overdraft Fee Relief

Frequently Asked Questions (FAQs)

• How does 24-Hour Grace help?
  • When your account is overdrawn (this means your account balance is negative or below $0), 24-Hour Grace® gives you more time to make a deposit to bring your account positive and avoid Overdraft Fees. The questions below explain more about when you need to make the deposit and how much the deposit needs to be. Remember, 24-Hour Grace® gives you time to act. It isn’t automatic. You have to make the right deposit on time. Please look at the rest of the questions below to learn how.
• Does 24-Hour Grace® apply to Return Fees?
  • No. Returns normally occur with checks (“bounced” checks) or automatic payments when there’s not enough money in your account. When we return a check or automatic payment, we don’t let it overdraw your account. Since the transaction doesn’t overdraw your account, there is no overdraft for you to fix or cure by making a deposit under 24-Hour Grace®. If this situation were to occur, you would be charged a Return Fee.
• How much do I have to deposit if some transactions overdraw my account and others are returned? Huntington Bank 24-Hour Grace Overdraft Fee Relief
  • You also have to deposit enough to cover any Return Fees from the prior day.
• How much do I need to deposit to avoid an Overdraft Fee?
  • Technically you need to deposit enough to bring your account balance to at least (-$4.99). Of course, if you can get your balance out of the negative, please do. But we give you a $4.99 cushion in case you can’t quite make it all the way.
• Under what conditions does 24-Hour Grace apply?
  • 24-Hour Grace applies when Huntington pays a transaction from your account even though you don’t have enough money (your account becomes overdrawn). 24-Hour Grace gives you time to act—it doesn’t act for you. Note: 24-Hour Grace does not apply if we decide to return the transaction.
• When should I make a deposit to avoid an Overdraft Fee?
  • You have until before midnight the next business day after your account is overdrawn. A deposit at a Huntington branch needs to be before branch closing time on that next business day. A deposit or transfer at an ATM, through online or mobile banking or through our telephone banking service needs to be before midnight that next business day. Huntington Bank 24-Hour Grace Overdraft Fee Relief
• What else can I do to avoid Overdraft Fee or Return Fees?
  • You can also sign up for one of our overdraft protection plans that provide funds from another deposit or credit line account you have with us (like a savings account or credit card) to cover overdrafts. Huntington Bank 24-Hour Grace Overdraft Fee Relief

Huntington Bank Mobile App – Download

You can download the Huntington Bank Mobile App via iOS or Android!

• iPhones
  • Huntington Bank Mobile App take the great features from Online Banking and build them into an easy-to-use tool. And since they’re designed especially for your phone or iPad®, they’re easy to read and navigate, too. You can download the app via iOS here.
• Androids
  • Whether you want to check your balance while shopping, pay a bill while waiting in line at the movie theatre, make a check deposit or just want to locate an ATM in a new town, now staying in control of your finances is just a few simple taps away. You can download the app via Android here.

Still Have Questions?

If you can’t find what you’re looking for, let Huntington Bank know. They’re ready to help in person, online or on the phone. You can contact them 24 hours a day, 7 days a week. 1-800-480-BANK (2265).

Author’s Verdict

Get More Time, Not More Fees. Huntington has designed the 24-Hour Grace to make banking more convenient by giving you more time to make a deposit when your account is overdrawn. But there are some important details you need to understand to ensure you can take advantage of this feature! Be sure to check back for more Huntington Bank Tips, Bonuses, Offers, Promotions, Guides, and more! Let us know what type of posts you’d like to see whether it be more bank guides, deals, offers, etc! Refer BankDealGuy to your friends and family so they can benefit and learn financially! Your feedback is very important to us! If you’re interested in more info regarding Huntington Bank offers, check out our full listing of Huntington Bank Deals Bonuses. Be sure to check back on BankDealGuy for more bank deals!