Huntington Bank Reviews & Complaints

Huntington Bank reviews and complaints can help other consumers understand experiences involving checking and savings accounts, debit cards, credit cards, overdrafts, Zelle, wire transfers, mortgages, personal loans, fraud claims, transaction disputes, digital banking and customer service. Share what happened, which Huntington product you used, how you tried to resolve the issue and whether the outcome was satisfactory. Positive, neutral and negative experiences are welcome on ZeroStars’ −5 to +5 rating scale.

This page covers The Huntington National Bank consumer banking in the United States. Huntington uses separate support routes for general banking, credit cards, online banking, loans and mortgages. Terms, fees, limits and dispute procedures can vary by product, so use the route tied to your specific account whenever possible.

• Product: checking, savings, debit card, credit card, mortgage, personal loan, line of credit, Zelle or wire transfer.
• Issue: fraud, dispute, payment posting, account restriction, overdraft, deposit hold, transfer delay, fee or digital-access problem.
• Timeline: approximate dates, support contacts and how long the issue remained unresolved.
• Support route: phone, branch, mobile app, Online Banking, secure message or written correspondence.
• Resolution: what Huntington said or did and whether funds, account access, disputed charges or loan issues were resolved.

Do not post your full account or card number, Social Security number, password, PIN, one-time security codes, routing details tied to your personal account or unredacted statements.

Huntington may restrict or review activity when security, identity-verification, fraud, legal or account-risk concerns require additional review. If an account or transaction is restricted, document the exact message, date, amount and any case number.

Deposit availability depends on the deposit method and Huntington’s current account disclosures. If a check or mobile deposit is held longer than expected, keep the deposit confirmation and any notice showing when funds are expected to become available.

Huntington directs customers who see suspicious or fraudulent activity to contact the bank promptly at 800-480-2265. Huntington also accepts reports of suspicious communications through its security channels.

For ATM and debit-card disputes, use 800-480-2265. For consumer credit-card disputes, call 800-340-4165.

Keep the date you discovered the activity, the transaction amount, whether the card remained in your possession, when you contacted Huntington and any claim or provisional-credit information you receive.

Lost or stolen debit cards should be reported promptly to Huntington at 800-480-2265. Huntington can close the affected card and issue a replacement, and customers may be able to obtain a temporary ATM card from a branch while waiting for a replacement.

Consumer credit-card customer service is available 24/7 at 800-340-4165. Card complaints may involve fraud, declines, payment posting, billing errors, replacement cards or rewards.

Huntington’s current dispute guidance lists 800-480-2265 for ATM, debit-card, ACH, Bill Pay, Huntington Instant Pay and Zelle disputes. Consumer and small-business credit-card disputes use 800-340-4165.

For written card or account disputes, Huntington currently lists The Huntington National Bank, P.O. Box 1558, Attn: GW4W61, Columbus, OH 43216. Include the identifying account information requested by Huntington, a description of the error and the dollar amount.

Huntington says that for eligible debit-card disputes reported within 60 days after the transaction appears on the statement, customers generally receive either temporary credit or a case resolution within 10 business days, or within 20 business days for new customers. Account terms and federal rules control the final timing and rights.

Huntington supports ACH transfers, Bill Pay, Zelle and wire transfers for eligible accounts. Zelle is available through the Huntington Mobile Banking app for eligible customers and is intended for payments to people and businesses you know and trust.

For unauthorized online wires, Huntington directs customers to complete its unauthorized-withdrawal process and return the required form to a branch. Wire timing, fees and initiation methods vary by account and service level, so review the current disclosure before sending funds.

Wire transfers can be difficult to recover after release. Verify recipient instructions carefully and keep the date, amount, beneficiary information and confirmation number.

Huntington’s $50 Safety Zone means customers generally are not charged an overdraft fee when a qualifying account is overdrawn by $50 or less. If the account goes more than $50 negative, Huntington’s 24-Hour Grace program can provide until midnight Central Time on the next business day to make a sufficient deposit or transfer and avoid qualifying overdraft fees.

These programs have eligibility and account-specific rules, and Huntington can return some transactions rather than pay them. If your complaint involves an overdraft, document the account balance, transaction date, deposit timing and any notification Huntington provided.

The Huntington National Bank is a Member FDIC institution. Eligible deposits are insured subject to standard FDIC ownership-category limits.

Huntington offers multiple checking, savings, money market and certificate products. Asterisk-Free Checking currently has no monthly maintenance fee and no minimum balance requirement, while other products can have different fees or relationship requirements.

If your complaint involves a deposit hold, direct deposit, ACH transfer, mobile deposit or monthly fee, keep statements, confirmations and any availability notices.

The Huntington Mobile Banking app and Online Banking support balances, transfers, bill pay, Zelle, mobile deposits, card controls, alerts and other account functions. Online Banking technical support is available at 877-932-2265.

If a digital-access problem occurs, note whether it affects the app, website or both, the device and app or browser version, the approximate time and any error message. Huntington says it will not ask for card information by email or text.

Huntington lists 800-445-8460 for loan customer service, daily 7 a.m.–8 p.m. Eastern. Personal credit line customer service is available at 800-992-2053.

If your complaint involves a loan payment, payoff, line-of-credit transfer, due date or servicing issue, keep statements, payment confirmations and any payoff or assistance correspondence.

For a new mortgage, Huntington lists 800-562-6871. Existing mortgage customers can call 800-323-4695, and mortgage payment-assistance customers can call 800-323-9865.

Huntington directs Written Error Resolution, Information Requests and Qualified Written Requests to The Huntington National Bank, P.O. Box 340996, Columbus, OH 43234.

If your complaint involves escrow, payment posting, payoff, servicing transfers or hardship assistance, keep statements, notices and payment confirmations.

See other consumer experiences on ZeroStars with Citizens Bank reviews, Fifth Third Bank reviews, Regions Bank reviews, BMO reviews, TD Bank reviews, PNC reviews and U.S. Bank reviews. You can also browse the Banking, Finance & Payment Services category. These links are for consumer information and do not imply rankings or endorsements.

Official sources checked September 26, 2026. This guide uses current Huntington Contact Us, Security Center, transaction-dispute guidance, checking and savings support, Zelle information, overdraft programs, credit-card support, loan support and mortgage-servicing information. Product terms, fees, hours, account limits and procedures can change. The applicable deposit agreement, cardholder agreement, loan documents, current statement and current Huntington notices control where they differ from this editorial summary.

Huntington lists 800-480-2265 for general customer service, daily from 7 a.m. to 8 p.m. Eastern.

Call 800-480-2265 as soon as possible for suspected account fraud or identity theft involving Huntington accounts.

Call 800-480-2265, visit a branch or follow Huntington’s current written dispute instructions.

Consumer and small-business credit-card disputes use 800-340-4165.

Huntington currently says qualifying customers are not charged an overdraft fee when an eligible account is overdrawn by $50 or less.

For eligible overdrafts above the Safety Zone, Huntington currently gives customers until midnight Central Time on the next business day to make a sufficient deposit or transfer and avoid qualifying overdraft fees.

Existing mortgage customers can call 800-323-4695. For a new mortgage, Huntington lists 800-562-6871.

Yes. The Huntington National Bank is a Member FDIC institution. Eligible deposits are insured subject to standard FDIC ownership-category limits.

No. ZeroStars is an independent consumer-review website. Posting a review does not open a Huntington fraud claim, card dispute, support case, wire investigation or mortgage-servicing request.