Huntington Bank is once again offering a sign-up bonus for new checking accounts! You can snag $400 for opening a Perks Checking account with a qualifying direct deposit, or a whopping $600 for their Platinum Perks checking if you deposit at least $25,000 within 60 days. This offer is available online for residents of Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Dakota, West Virginia, or Wisconsin. Keep in mind that these bonuses are considered income, so Uncle Sam will want a cut.

Here's the catch that's particularly important for us rewards enthusiasts: Huntington is cracking down on "churning." Churning is when people repeatedly open and close accounts just to grab the bonus. Their new policy states that if they suspect you're opening accounts solely for the bonus, they might deny the payment or even close your account! They're also limiting customers to one account-related bonus per rolling 12-month period.

This matters to you, the savvy traveler, because many of us strategically open bank accounts for these bonuses to fuel our travel funds. While grabbing a bonus here and there is fine, Huntington is now actively monitoring for abuse. So, if you've been aggressively opening and closing Huntington accounts for bonuses, you might want to cool it off for a while to avoid raising any red flags! The deal is back until January 15, 2026, so you have time to plan.