How to Avoid Huntington Bank Overdraft Fees

When you make a purchase and you do not have enough money in your account, many banks will cover the purchase amount. However, you will be required to pay that amount back plus an extra fee.

If you’re facing overdraft fees from Huntington Bank, keep reading to find out how DoNotPay can help.

What Areas Does Huntington Bank Serve?

Huntington Bank first opened in 1866 in Columbus, Ohio. Today, the bank's headquarters are still in Columbus, Ohio but it also has 1,100 branches located throughout the Midwest. Other states that have Huntington Bank offices include Pennsylvania, Michigan, Illinois, Ohio, Michigan, Kentucky and West Virginia.

Huntington Bank is a full-service bank. In addition to offering its customers checking and savings accounts, the bank also provides brokerage services, mortgage services, equipment leasing services and more.

Huntington Bank's Overdraft Fee Policy

If you do not have enough money in your account to cover a purchase, Huntington Bank will pay for it on your behalf. If the overdraft is under $50, there is no overdraft fee.

You must still deposit the proper amount of money back into your account to bring the balance out of the negative. Once the money is replaced, it will be as if nothing ever happened.

If the overdraft is over $50, however, you will have to pay the money back plus additional fees.

Here is a look at some of the fees that you could be facing if your account is overdrawn more than $50.

• A $36 fee each time your account is overdraft over $50.
• There is a limit of four overdraft fee charges per day.
• You will be charged an additional $25 if your account is overdrawn for more than five consecutive days.
• The additional $25 fee can be added to your account up to four times.
• If your account is over drafted for more than five days, the additional charge will be added every fifth day until the total overdraft fees reach $100.

How to Avoid Overdrafting Your Huntington Bank Account

Huntington Bank offers several ways for you to avoid getting an overdraft fee. Some of the opportunities Huntington Bank provides include:

• A 24-Hour Grace Period - If you accidentally overdraft your account, you have until midnight on the next business day to put the money back in your account. If the money is in the account within 24 hours, you will not be charged an overdraft fee.

• Personal Credit Line - When you link a personal credit line to your account, funds can automatically be transferred to your bank account to cover overdrafts.

• Link a Savings Account - Up to $100 at a time can also be automatically transferred from your linked savings account to cover overdrafts.

• Standby Cash - If you are low on funds, Huntington bank will let you borrow between $100 and $1,000. It is free if you pay the money back in three months. After three months, a 1% monthly interest charge will be applied to the payments.

How to Fight Huntington Bank Overdraft Fees With the Help of DoNotPay

If you feel that you have been wrongly charged an overdraft fee, DoNotPay can help. We will send a letter to Huntington Bank on your behalf and dispute the charges that have been applied to your account.

To dispute the overdraft fees, simply follow these three steps:

1. Search "appeal fees" on DoNotPay, choose the Fight and Waive Fees product, and select the type of fee you want to appeal.

2. Select the merchant you want to appeal fees for and enter the details of your transaction, including an associated account if you have one.

3. Submit your case! DoNotPay will generate the best argument for your case and make sure your fee waiver request gets sent to the merchant for processing.

DoNotPay Works Across All Companies with Just a Click of a Button

DoNotPay will help you fight your overdraft fees with Huntington Bank, but that’s not all.

We can also help you dispute fees with different banks and financial institutions all over the country, including:

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