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Updated August 2026.
Short answer: Huntington charges a $15 overdraft fee, but two features mean a lot of overdrafts cost you nothing. The $50 Safety Zone waives the fee if your account is overdrawn by $50 or less at the end of the day, and 24-Hour Grace gives you until midnight the next business day to erase the fee by depositing enough to cover the shortfall. Huntington does not charge a returned-item (NSF) fee.
| Huntington overdraft, at a glance | What it means |
|---|---|
| Overdraft fee | $15 per item |
| Daily limit | Up to 3 overdraft fees per day (so $45 at most) |
| $50 Safety Zone | No fee if you are overdrawn by $50 or less at the end of the day |
| 24-Hour Grace | No fee if you cover the negative balance and that day’s other transactions by midnight Central Time the next business day |
| Returned-item (NSF) fee | $0. Huntington does not charge one |
| Overdraft protection transfer | Free from a linked savings, money market, or personal credit line |
| ATM and debit card overdrafts | Off unless you opt in. If you do not opt in, those charges are simply declined with no fee |
| Account | Figures describe Asterisk-Free Checking, Huntington’s no-monthly-fee everyday account |
Fees verified August 9, 2026 from Huntington’s Asterisk-Free Checking fee schedule and its overdraft policy page.
How much is Huntington’s overdraft fee?
Huntington charges $15 each time it pays a transaction that your balance cannot cover. It will charge at most 3 of these fees in one day, so the most you can pay in a single day is $45. That is lower than the $34 to $36 that many large banks charge.
Two rules can knock that $15 down to $0, and they apply automatically. They are the $50 Safety Zone and 24-Hour Grace, covered next.
The $50 Safety Zone: when an overdraft costs nothing
Huntington will not charge an overdraft fee unless your account ends the day overdrawn by more than $50. So if a purchase pushes you $8 or $40 into the negative, there is no fee. The Safety Zone is on by default. You do not sign up for it.
24-Hour Grace: how to erase the fee
If you do go past $50, Huntington gives you a second chance. With 24-Hour Grace, you have until midnight Central Time the next business day to deposit or transfer enough money to bring your account positive. Do that in time and the overdraft fee comes off.
Your deposit needs to cover the negative balance plus anything else that hits that day. Business days are Monday through Friday, so weekends and federal holidays do not count against the clock. To use 24-Hour Grace, your account has to be opted in for overdraft coverage.
Does Huntington charge a returned-item (NSF) fee?
No. If Huntington returns a payment because you do not have the money, it does not charge a fee for that. Some banks still charge $30 or more for a bounced item, so this is a real difference.
Overdraft protection transfers
You can link a Huntington savings account, money market account, or personal credit line to your checking. If checking runs short, Huntington moves money over to cover it, and there is no fee for that transfer. A personal credit line will charge its normal interest rate on what you borrow, so read those terms before you rely on it.
ATM and debit card overdrafts
By default, Huntington will decline an ATM withdrawal or an everyday debit card purchase if you do not have the money, and a declined charge costs you nothing. Overdrafts on those transactions only happen if you choose to opt in. Checks and automatic bill payments work differently and can overdraw the account whether or not you opt in.
How to avoid Huntington overdraft fees
- Lean on the Safety Zone. Staying within $50 of zero on a tight day means no fee at all.
- Set a low-balance alert. Huntington can text or email you when your balance drops so a fee is never a surprise.
- Use 24-Hour Grace on purpose. If you slip past $50, move money in before midnight Central the next business day.
- Link a backup account. A linked savings or money market transfer covers the shortfall for free.
- Skip opting in to debit overdraft if you would rather have a charge declined than pay $15.
Short before payday? If the alternative is stacking bank fees, a small advance can be cheaper when you qualify and repay on time.
See how to borrow $50 instantly, or compare every option side by side below.
How Huntington compares to other banks
Overdraft terms vary a lot by bank. Here is how Huntington lines up against a few others we track, using each bank’s own current fee schedule.
| Bank (typical account) | Overdraft fee | No-fee cushion |
|---|---|---|
| Huntington (Asterisk-Free) | $15, up to 3/day | $50 Safety Zone + 24-Hour Grace |
| Capital One (360 Checking) | $0, no overdraft fee | Fees eliminated |
| M&T (EZChoice) | $15, max 1/day | No fee on items under $5 |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
| U.S. Bank (Smartly) | $36 per item over $5 | $50 buffer + Fee Forgiven |
See fee details for more banks in our overdraft fees by bank hub.
Compare cash advance apps that can cover a shortfall. If you keep landing in overdraft, an app that fronts you a small amount until payday may cost less than repeat bank fees.
Huntington overdraft FAQ
How much is Huntington’s overdraft fee?
$15 per item, with a limit of 3 fees per day. There is no fee if your account is overdrawn by $50 or less.
What is Huntington’s $50 Safety Zone?
It means Huntington will not charge an overdraft fee unless your account ends the day overdrawn by more than $50. It is on automatically.
How does 24-Hour Grace work?
If you overdraw by more than $50, you have until midnight Central Time the next business day to deposit or transfer enough to cover the negative balance and that day’s other transactions and avoid the fee.
Does Huntington charge an NSF or returned-item fee?
No. Huntington does not charge a fee when it returns an item for insufficient funds.
Can Huntington overdraft my debit card or ATM withdrawal?
Only if you opt in. By default those transactions are declined at no charge if you do not have the money.
Is there a fee for Huntington overdraft protection transfers?
No. Transfers from a linked savings, money market, or personal credit line to cover an overdraft are free. A credit line still charges its normal interest on what you borrow.
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