{"slug":"huntington-perks-400","category":"bank","institutionSlug":"huntington","product":"Perks Checking","title":"Huntington Perks Checking — $400 bonus","bonus":"$400","unit":"cash","amount":400,"reqShort":"$500 in direct deposits, 90 days","expiresOn":"2026-09-30","status":"live","verifiedOn":"2026-07-07","reports":1,"openIssues":0,"states":["CO","IL","IN","KY","MI","MN","NC","OH","PA","SC","TX","WV","WI"],"statesLabel":"13 states","referralGated":false,"hardPull":false,"chex":"Soft pull reported","fee":"$10/mo — waivable; verify current waiver terms","keep":"Keep the account open 90 days","posts":"Within 14 days of meeting requirements","applyDomain":"huntington.com","applyUrl":"https://www.huntington.com/checking-account-promotions-bonuses-offers","summary":"One of the best bonus-to-hurdle ratios anywhere: $400 for just $500 in qualifying direct deposits within 90 days — but only if your application address is in the 13-state footprint, which Huntington enforces at application. A $600 Platinum Perks tier exists for $25,000 in new money. Ends September 30.","reqSteps":["Confirm your state is in the footprint (checked at application address, not where the money comes from).","Open a Perks Checking account with the promotion code by September 30, 2026.","Receive qualifying direct deposits totaling $500+ within 90 days — RTP and peer-to-peer payments (PayPal, Zelle, Venmo) explicitly don't qualify.","Keep the account open 90 days; bonus pays within 14 days of qualifying."],"finePrint":["Footprint: CO, IL, IN, KY, MI, MN, NC, OH, PA, SC, TX, WV, WI.","Transfers from another Huntington account don't qualify as direct deposits.","$600 variant: Platinum Perks Checking with $25,000 in new money within 90 days."],"memberReports":[{"topic":"DD definition","text":"Huntington's own terms exclude RTP-network and P2P payments by name — stricter language than most majors. Sourced from huntington.com 7/7/26."}],"history":[{"when":"2024–2026","amount":"$400–$600","note":"recurring offer, stable structure"}],"ruleIds":[],"sources":[{"label":"huntington.com promotions","url":"https://www.huntington.com/checking-account-promotions-bonuses-offers","checkedOn":"2026-07-07"}],"needsVerification":true}