checking
Huntington $400
Perks Checking
Huntington pays $400 on new Perks Checking after $500 in qualifying direct deposits and 90 days with the account open.
Effective value after fees
$370
Minimum-path estimate: $400 minus three $10 fees. The bonus needs only $500 of direct deposits in 90 days, which is short of the $1,000 monthly-deposit waiver. Deposit $1,000 in a month and that month's fee is $0.
Exact requirements
- New personal checking customers in the states Huntington lists. Not available to current checking customers or anyone who closed a checking account in the last 12 months.
- Open Perks Checking with the promotion code by January 15, 2027, from the offer page so the code is claimed.
- Receive $500 or more in qualifying ACH direct deposits within 90 days. Payroll, pension, and government payments can qualify. Real-time payments, PayPal, Zelle, Venmo, and transfers from another Huntington account do not.
- Keep the account open for 90 days.
- Bonus
- $400
- Direct deposit
- Qualifying direct deposits totaling $500 or more within 90 days of opening.
- Deposit
- Opening deposit: not stated on the offer page.
- Keep the account open
- At least 90 days. The account must still be open to receive the bonus.
- When the bonus posts
- Within 14 days after you meet the requirements.
- Expiration
- Apply by January 15, 2027.
- Monthly fee
- $10, or $0.
- How to waive it
- $1,000 in total monthly deposits, or a $5,000 total relationship balance. Otherwise $10 a month.
- Early closure
- Not stated as a dollar fee. The account has to stay open 90 days, and Huntington describes a rolling 24-month limit on repeated incentives.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- 21 states.
- Last verified
- November 15, 2026
Fine print
Bonus is reported on Form 1099-INT. One account-related gift incentive per rolling 24 months is the limit Huntington describes. APY on Perks Checking was 0.02% and variable on the offer page. Verified November 15, 2026.
Source checked November 15, 2026: https://www.huntington.com/checking-account-promotions-bonuses-offers