Huntington Perks Checking review

Huntington Perks Checking has the lowest requirement for a $400 bonus that we found: open a new Perks Checking account, receive qualifying direct deposits of $500 or more in new money within 90 days, and keep the account open for 90 days. New personal checking customers must apply by January 15, 2027, and Huntington notes the bonus code is applied only through the Apply buttons on its promotion page. People with more cash can choose Platinum Perks Checking instead, which pays $600 for $25,000 or more in new money within 90 days and waives its $25 monthly fee with $25,000 in total relationship balances. Perks Checking earns interest on any positive balance and charges no monthly fee with $1,000 in total monthly deposits or $5,000 in relationship balances, otherwise $10 a month. The catch is that the bonus code works only from that promotion page, so start your application there.

Who it is for

households with modest direct deposits

Price

$400 bonus ($600 on Platinum Perks); $10 a month unless waived.

No monthly fee with $1,000 in total monthly deposits, or $5,000 in total relationship balances, otherwise $10 a month4.
Quoted from the vendor pricing page on November 14, 2026.

Key features

• $400 bonus on Perks Checking with $500 in qualifying direct deposits within 90 days
• $600 bonus on Platinum Perks Checking with $25,000 in new money within 90 days
• Apply by January 15, 2027
• Account must stay open 90 days to qualify
• Perks Checking earns interest on a positive balance

Strengths and weaknesses

• Strength: Only $500 in direct deposits needed for $400, the lowest bar on this list
• Strength: Platinum Perks adds a $600 option for people moving savings
• Strength: Perks Checking earns interest on any positive balance
• Weakness: Bonus code only applies through the Apply buttons on the promotion page
• Weakness: $10 monthly fee unless you deposit $1,000 a month or keep $5,000 in balances
• Weakness: Platinum Perks charges $25 a month below $25,000 in relationship balances

Key facts

• Bonus: $400 Perks, $600 Platinum Perks
• Requirement: $500 in direct deposits within 90 days (Perks)
• Monthly fee: $10 or $0 (Perks)
• Deadline: Apply by January 15, 2027

Where it ranks

Huntington Perks Checking is No. 4 in our Best Bank Bonuses verdict.