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Huntington Bank is dangling one of the bigger checking bonuses on the market right now: up to $600 for new personal checking customers. If you've been holding off on a bank switch, this one's worth a look — especially the higher tier, which doesn't require direct deposit at all.
The offer at a glance
Perks Checking®: $400 bonus
Platinum Perks Checking®: $600 bonus
Deadline to apply: September 30, 2026
Availability: AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, WI
How to qualify
Both tiers follow the same basic pattern: open, fund, wait 90 days, collect.
Perks Checking® — $400
Open a new Perks Checking account with your promo code by September 30, 2026.
Set up qualifying direct deposits totaling $500+ within 90 days of opening.
Keep the account open for at least 90 days.
Platinum Perks Checking® — $600
Open a new Platinum Perks Checking account with your promo code by September 30, 2026.
Deposit $25,000+ in new money within 90 days of opening.
Keep the account open for at least 90 days.
Once you've met the requirements, Huntington deposits the bonus within 14 days.
What counts as a qualifying direct deposit? Payroll, salary, pension, and government benefits (like Social Security) sent via ACH. Zelle, Venmo, PayPal, real-time payments, and transfers from another Huntington account do not count.
Bonus Joe's take
The $400 tier is the one most readers will actually go for — a $500 direct deposit requirement over 90 days is about as easy as bank bonuses get. The $600 tier technically has a lower "bonus per dollar deposited" ratio since it needs $25,000 in new money, so it's really only worth chasing if you've already got that cash sitting somewhere low-yield.
A few things to flag before you apply:
You must be a new Huntington personal checking customer — existing customers and anyone who closed a Huntington checking account in the last 12 months are excluded.
The bonus is taxable; expect a 1099-INT.
This only works if you live in one of the eligible states listed above.
Huntington watches for churn — opening and closing accounts repeatedly to farm bonuses can get you excluded from future offers for 24 months.
As always: read the full terms before applying, and only chase a bonus if the account itself is one you'd be happy to keep using.
