Huntington National Bank

Name

Huntington National Bank

Legal name

Huntington Bancshares Incorporated

Website

https://huntington.com

Company type

Public

Founded year

1866

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

akta.pro secondary industry

High-Net-Worth (HNW) Private Banking (FSABADAB)

Keywords

• Retail banking services
• Commercial lending
• Wealth management
• Mortgage loans
• Small business banking

Headquarters

HQ city

Columbus

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from loans (mortgages, commercial loans, consumer loans, credit cards) minus interest paid on deposits. Primary revenue driver representing the spread between lending rates and deposit costs.
2. Banking Fees and Service Charges: Account maintenance fees, overdraft fees, ATM fees, wire transfer fees, and other banking service charges. Includes fee waivers for relationship customers.
3. Wealth Management and Investment Services: Revenue from investment management, brokerage services, trust services, and financial advisory through Huntington Financial Advisors and Huntington Private Bank. SEI Wealth Platform partnership enhances capabilities.
4. Insurance Products: Commission revenue from insurance brokerage and service programs through Huntington Insurance, Inc., offering home, life, and motor vehicle insurance.
5. Capital Markets and Treasury Services: Revenue from foreign exchange services, treasury management, and capital markets activities for commercial customers.
6. Equipment Leasing: Revenue from equipment leasing services for commercial customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Huntington National Bank provides consumer, small business, and commercial banking products and services, including checking and savings accounts, mortgages, home equity, personal and auto loans, credit cards, wealth management, trust and estate services, insurance, treasury management, foreign exchange, equipment leasing, and capital markets services. It distributes these through approximately 1,400 branches across 21 states, complemented by online and mobile banking channels.

Product overview

Huntington National Bank operates as a comprehensive, multi-channel banking platform offering consumer, commercial, and wealth management products across 21 states through nearly 1,400 branches. The consumer offering centers on tiered checking accounts (Asterisk-Free Checking, Huntington Perks Checking, Huntington Platinum Perks Checking, and Huntington SmartInvest Checking for high-net-worth customers), complemented by savings and money market accounts (Relationship Savings, Relationship Money Market, Premier Savings). The credit card portfolio includes the Huntington Cashback Credit Card, Voice Rewards Credit Card, Voice Credit Card, and Secured Credit Card. Mortgage offerings span Fixed Rate Mortgages, Physician Mortgage, Construction & Home Financing, HomeStyle Renovation, Jumbo Loans, and government FHA/VA/USDA programs. Home equity products include Home Equity Loans and HELOCs. The commercial division (Huntington Commercial Bank) operates across 10 industry verticals serving all 50 states. Digital banking infrastructure includes Huntington Online Banking, Huntington Mobile Banking App, Payments Connect (small business payments platform), Huntington Instant Payments, Huntington Heads Up Alerts, Money Scout, Standby Cash, Caregiver Banking, and the $50 Safety Zone/24-Hour Grace overdraft protection features. The Private Bank provides trust, estate, and investment management through the SEI Wealth Platform. Huntington Insurance offers home, life, motor vehicle, and title coverage. The bank also supports specialized offerings including Teen Banking, Student Banking, and accessibility tools like MagnusCards.

Differentiator

Problem solved

Functional benefit

Products and services

• Asterisk-Free Checking

Quantifiable outcome

• Achieved $70 million in cost savings from Veritex acquisition
• +7 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability6 records

Feature10 records

Partnerships

15 partnerships are on record, tiered strategic and core.

• SmartMedia TechnologiesstrategicStrategic or Co-development Partner · 3 June 2026Strategic partnership where SmartMedia Technologies integrates its SmartPoints protocol with Huntington Bank, enabling programmable loyalty tokens to function as digital payment assets across traditional finance and Web3 payment rails. Huntington joins Visa as a strategic banking partner.
• VisacoreStrategic or Co-development Partner · 3 June 2026Strategic partnership where SmartMedia Technologies integrates SmartPoints protocol with both Visa (Web3 Loyalty Engagement Solution) and Huntington Bank, positioning the platform to capture value from the $300 billion loyalty market.
• Special OlympicsstrategicGTM or Marketing Partner · 1 June 2026Official Sponsor of the 2026 Special Olympics USA Games in Minnesota involving approximately 3,000 athletes from all 50 states. Bank's involvement includes colleague participation, venue usage, and support for inclusivity and community engagement.
• The Clearing House (CHIPS)coreTechnology or Integration · 19 May 2026Huntington joined The Clearing House's CHIPS corporate payment system to improve payment resilience following its acquisitions of Veritex ($1.9B) and Cadence Bank ($7.4B). CHIPS processes over $2 trillion daily with approximately 50 global financial institution participants.
• Cari NetworkstrategicTechnology or Integration · 6 May 2026Partnership where Cari Network and Tassat accelerate development of tokenized deposit platform for U.S. banks. Huntington Bancshares joined as one of six initial banks including First Horizon Corp., KeyCorp, M&T Bank Corp., Old National Bancorp, and SouthState Bank, with eight additional banks committed.
• Octane LendingcoreStrategic or Co-development Partner · 5 May 2026Strategic partnership with Octane and Bad Boy to provide full-spectrum digital financing for outdoor power equipment dealers. Huntington Bank Powered by Octane enables dealers to manage entire sales and financing process with Huntington providing prime financing and Octane's Roadrunner Financial handling near-prime options.
• FIS (Project Keystone)strategicTechnology or Integration · 30 April 2026Huntington participates in FIS-led Project Keystone consortium alongside Citizens, Fifth Third, KeyBank, M&T Bank, and others to build a bank-owned and bank-administered network for digital tokenized money. Network enables participating banks to issue, transfer, and settle regulated deposits in digital form.
• CascastrategicTechnology or Integration · 28 April 2026AI-powered loan origination platform partnership for SBA lending. Huntington is one of the nation's top SBA 7(a) lenders and is expanding AI-enabled small-dollar SBA lending capabilities through Casca's platform.
• Husqvarna GroupcoreChannel Partner/ Reseller/ Distributor · 28 April 2026Partnership where Husqvarna launched Huntington Bank Powered by Octane digital financing platform for outdoor power equipment dealerships. Enables streamlined applications, rapid credit decisions, and simplified loan management for dealers and customers.
• Ameriprise FinancialcoreStrategic or Co-development Partner · 23 April 2026Multiyear partnership where Ameriprise Financial selected Huntington as its new retail investment program provider, bringing approximately 260 advisers and $28 billion in assets to be overseen by Huntington. Onboarding expected in late 2026.
• West Virginia UniversitystrategicStrategic or Co-development Partner · 20 April 2026Exclusive campus banking partnership including $250,000 in student scholarships, on-campus ATM access, dedicated Huntington office on WVU's Morgantown campus, co-branded debit card, financial literacy programming, and internship opportunities. Builds on Huntington's 27 branches and 230 employees in West Virginia.
• PelotoniastrategicGTM or Marketing Partner · 16 April 2026Huntington surpassed $50 million raised for Pelotonia over 17 years as major funding partner. 2026 Ride Weekend scheduled for July 31-August 2 in Columbus, Ohio. 100% of funds raised go to cancer research at The Ohio State University Comprehensive Cancer Center.
• University of MichiganstrategicStrategic or Co-development Partner · 7 April 2026Huntington designated Official Consumer Bank of University of Michigan through exclusive partnership covering Ann Arbor campus and Michigan Medicine. Provides co-branded debit cards, six ATMs, $250,000 scholarships, financial literacy programming, and internship opportunities for 100,000+ students, faculty, and staff.
• SEIcoreTechnology or Integration · 31 March 2026Huntington National Bank selected SEI's Wealth Platform to modernize and unify its wealth management technology infrastructure. Huntington Private Bank will gain access to alternative investment tools, tax management capabilities, and digital workflow solutions. SEI has approximately $8.1 trillion in assets under administration.
• PGA TOURstrategicGTM or Marketing PartnerOfficial Sponsor of PGA TOUR University program supporting collegiate athletes who complete their education in exchange for guaranteed entry to professional golf and Tour events.

Scale indicators28 records

Recent moves7 records

Expansion highlights8 records

Direct peers

• Fifth Third Bank: Fifth Third Bank is a direct regional banking peer with overlapping Midwest and Southeastern footprint, comparable consumer/commercial product mix, and similar mid-teens asset base. Like Huntington, Fifth Third is a Project Keystone participant pursuing tokenized deposits and has invested heavily in digital banking modernization.
• KeyCorp: KeyCorp is headquartered in Cleveland, Ohio, with overlapping Midwest commercial and consumer banking operations. It is also a Project Keystone consortium member alongside Huntington, making it a direct peer for both traditional banking and digital money initiatives.
• M&T Bank: M&T Bank is a direct regional banking peer operating across the Northeast and Mid-Atlantic with a similar full-service consumer/commercial/wealth model. M&T is also participating in Project Keystone and the Cari Network tokenized deposit consortium with Huntington, indicating parallel strategic priorities.
• Regions Financial: Regions Financial is a direct regional banking peer with heavy Southeast and Sun Belt concentration, directly overlapping Huntington's expanded Cadence Bank footprint. Comparable in scale, product mix, and commercial banking vertical strategy targeting middle-market growth.
• Citizens Financial Group: Citizens Financial is a direct regional banking peer of similar asset size with commercial banking focus across the Northeast, Midwest, and select Sun Belt markets. Citizens is also a Project Keystone participant, making it a direct comparable for both traditional banking and digital money innovation.
• Truist Financial Corporation: Truist is a direct regional banking peer with significant Southeast and mid-Atlantic footprint that directly overlaps Huntington's expanded Cadence franchise. Both target middle-market commercial banking, wealth management, and digital banking modernization as core growth pillars.
• PNC Financial Services: PNC is a direct super-regional peer headquartered in Pittsburgh with significant overlap in Midwest commercial and consumer banking. PNC's scale and corporate banking focus makes it a close comparable on treasury management, capital markets, and institutional services Huntington competes in via its 10 commercial verticals.
• First Horizon Corporation: First Horizon is a direct Southeast regional banking peer serving Tennessee, the Carolinas, and Florida markets. It is also a co-participant in the Cari Network tokenized deposit consortium alongside Huntington, indicating shared strategic interest in digital money infrastructure.

Broad incumbents

• U.S. Bancorp: U.S. Bancorp is a larger super-regional incumbent with overlapping payment processing, commercial banking, and wealth management capabilities. As a broad portfolio bank, it competes with Huntington across consumer, commercial, capital markets, and wealth segments at national scale.
• Wells Fargo: Wells Fargo is a broad incumbent money-center bank competing across consumer, commercial, wealth, capital markets, and treasury services. While much larger, Wells Fargo's full-service model serves as the upper bound benchmark for regional banks like Huntington in commercial vertical coverage and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/Huntington_Bank
• YouTubeyoutube.com/user/HuntingtonBank
• Facebookfacebook.com/HuntingtonBank
• LinkedInlinkedin.com/company/huntington-national-bank
• Instagraminstagram.com/huntingtonbank/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A10 records

Investments34 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Huntington National Bank