Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
97 reports across 1 source. Last report Jun 18, 2026. Doctor of Credit comments 97.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
YESAlly ACH push23 reports · 22 worked · 1 failed · last report Mar 12, 2025General note: Good but softening; fails at Chase. 22 member reports of it working, 1 of it failing, last confirmed Mar 2025.
YESFidelity Cash Management ACH push18 reports · 16 worked · 2 failed · last report Feb 18, 2026How it posts: "Direct Deposit"The #1 workaround pusher; codes payroll-like at most banks. 16 member reports of it working, 2 of it failing, last confirmed Feb 2026. Members report it posting as "Direct Deposit". CMA 7W/0F, lastW 2026-06-04.
YESChase (personal) ACH push17 reports · 17 worked · last report Nov 10, 2025How it posts: "direct deposit"Personal-checking ACH pushes only. 17 member reports of it working, none of it failing, last confirmed Nov 2025. Members report it posting as "direct deposit.". personal 2W/0F 2026 (lastW 5/06); comment-harvest found NO failure DP — old "stopped early 2026" claim unsupported.
YESCapital One 360 ACH push10 reports · 9 worked · 1 failed · last report Apr 4, 2026General note: Good; fails at Chase. 9 member reports of it working, 1 of it failing, last confirmed Apr 2026.
YESCharles Schwab ACH push7 reports · 6 worked · 1 failed · last report Jun 18, 2026General note: Historically strong; deteriorating at Chase/Huntington in early 2026. 6 member reports of it working, 1 of it failing, last confirmed Jun 2026. works, coded literally "Direct Deposit" 6/18/26; 2W/0F brokerage — leans yes, single-source.
YESDiscover ACH push6 reports · 6 worked · last report Jun 15, 2024General note: Discover Savings ACH; inconsistent, recent failures trending up. 6 member reports of it working, none of it failing, last confirmed Jun 2024. 2W, lastW 2026-03-11 — thin.
YESEmployer / payroll ACHFrom the bank published terms and our own checksCore qualifying type. Official terms name payroll/salary ACH credits explicitly. The Bonus Stack DP table for this exact bonus: 3/3 reports worked.
YESGovernment benefits (SSA / pension)From the bank published terms and our own checksOfficial Huntington terms explicitly list 'pension or government payments (such as Social Security)' as qualifying ACH credits. Universally accepted DD type.
YESAlliant Credit Union ACH push2 reports · 2 worked · last report Jun 15, 2021General note: Strong at PNC/US Bank; fails at Chase. 2 member reports of it working, none of it failing, last confirmed Jun 2021.
MAYBEPayPal ACH push2 reports · 1 worked · 1 failed · last report Sep 13, 2024How it posts: "direct deposit"General note: P2P at most banks; works at Citi & Capital One (standard ACH, not instant). 1 member report of it working, 1 of it failing, last confirmed May 2023. Members report it posting as "direct deposit.".
NOVenmo ACH push2 reports · 1 worked · 1 failed · last report Sep 13, 2024General note: P2P at most; works at Citi, Capital One, PNC, Citizens, KeyBank. 1 member report of it working, 1 of it failing, last confirmed Feb 2023.
$400 for Perks Checking with $500+ qualifying direct deposits in 90 days. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
Overview
Huntington Bank is currently offering a tiered checking bonus paying up to $600. Each rung has its own requirement: $400 with $500 in direct deposits; $600 with $25,000 in new money held 90 days. The account has a $10 monthly fee; review the waiver terms before applying.
Pros
+$600 cash bonus
+No documented hard credit pull
+90-day qualification window
Cons
-Geographic restrictions apply
-$10 monthly fee unless waived
Notes
Receive $500+ in direct deposits within 90 days. The amount you are paid depends on which rung you complete: $400 with $500 in direct deposits; $600 with $25,000 in new money held 90 days. Allow approximately 14 days for the bonus to post after qualification. Keep the account open for at least 90 days.
How This Compares to Other Bonuses
Huntington Bank's $600 offer is closest in headline value to Old National Bank's $600 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Huntington Bank checking bonus?
Huntington Bank currently advertises up to $600, across 2 rungs that each ask for something different: $400 with $500 in direct deposits; $600 with $25,000 in new money held 90 days.
Does the Huntington Bank bonus require direct deposit?
Yes. The catalog currently records $500 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying. Not every rung is a direct-deposit rung: $600 with $25,000 in new money held 90 days.
When should the Huntington Bank bonus post?
The tracked estimate is about 14 days after you satisfy the requirements.
MUST open with the promotion code. $400 for Perks Checking with $500+ qualifying direct deposits in 90 days. $600 for Platinum Perks with $25,000 in new-money deposits in 90 days. Keep the account open 90 days.
Fees
Monthly Fee$10/mo
Perks Checking: $10/mo waived with $1,000+ monthly deposits or $5,000+ total relationship balance. Platinum Perks: $25/mo waived with $25,000+ total relationship balance.
ChexSystems & Credit Pull
Chex SensitivityMedium
Hard PullNo
Soft PullYes
ChexSystems inquiry reported. Soft pull.
Eligibility
Availability21 states: AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, WI
Lifetime LimitNo
New consumer checking customers only. Ineligible with an existing Huntington consumer checking account or one closed in the last 12 months. Separately, Huntington says it may limit an individual to one account-related cash incentive per rolling 24-month period across all deposit accounts, counted from the most recent payment, so a prior Huntington bonus can hold you back longer than the closed-account rule does.
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.