Standby Cash will not automatically cover an overdraft, so be sure to take action as soon as possible by transferring money from your Standby Cash account to cover your overdrawn account by midnight the next business day
We understand unpredictability and what our customers go through. We’re for people, and our mission is to reinvent banking so that it looks out for people, just like you.
If you qualified but haven’t opened a Standby Cash account yet, you can open and use your Standby Cash to cover your overdraft while 24-Hour Grace ® window is in effect
- A checking account that has been open and active for at least 90 days
- Enrolled in online banking
- A minimum of $750 deposited each month for 3 consecutive months
- Average checking account balance over $0 for the past 30 days
- None of your Huntington accounts overdrawn for more than 24 hours
Answer: Login to online banking at or the Huntington Mobile App to check eligibility (You can track your progress towards eligibility through online banking at or the Huntington Mobile app – once eligibility tracker is live). Look for Standby Cash under your Credit section on The Hub. If you are eligible, we will show your available line amount there.
Answer: Standby Cash is available to customers once they reach all eligibility requirements, including having an account that is open and active for a minimum of 90 days.
Answer: Standby Cash credit limits are determined based on your deposit activity, account balances, and overdraft history at each statement cycle. You will receive an alert via email and/or text notifying you of any changes to your credit limit. Message and data rates may apply.
Answer: Yes! As long as you continue to meet eligibility requirements, you can use Standby Cash as many times as you need. If you use 100% of your Standby Cash credit limit at any point over three consecutive statement cycles your Standby Cash account will be suspended until the entire balance is paid off.
Answer: Your Standby Cash account remains open as long as you remain eligible and your qualifying deposit account remains open. If you want to close the Standby Cash account, contact us at 800-480-2265.
Answer: No. If you close your qualified checking account, you will no longer have access to make additional transfers from your Standby Cash account. Your Standby Cash account will be visible until your outstanding balances are paid off. Once paid off in full, your Standby Cash account will be closed.
Answer: You can make your payments through transfers within online banking, or you can set up automatic payments. Pay it back over navigate to website three months using automatic payments, and it’s free. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.
Answer: You’ll get an alert via email and/or text before your payment is due, and another alert if a payment is past due. Message and data rates ount, you won’t be able to transfer any more money from Standby Cash. You can still make payments though. Failure to pay can result in account default and closure. We report account activity to credit bureaus, so your use could positively or negatively affect your credit score. To make it more convenient, set up automatic payments so you don’t have to worry about remembering payment dates.
Answer: Automatic payments won’t overdraw your account. However, automatic payments reduce the amount of money in your account to cover other transactions, so you should ensure your account has sufficient funds. If your account balance doesn’t cover an automatic payment on the day it is due, we’ll automatically attempt the payment again when you have sufficient funds.
Answer: If you already opened your Standby Cash account and 24-Hour Grace ® is in effect, you can use Standby Cash to cover your overdraft. If your account is overdrawn for more than one day, you won’t be able to open a Standby Cash account or transfer money from an open Standby Cash account until your overdrawn account is restored to a positive balance.