Huntington Bancshares is the 32nd-largest bank holding company in the United States by total assets

Huntington Bancshares Incorporated, the parent company of Huntington National Bank, held approximately $180 billion in total assets as of the end of 2023. That figure changes year to year based on acquisitions, loan growth, and market conditions, so the exact number shifts with each quarterly earnings report. For context, that places Huntington well behind the "Big Four" banks (JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup), but ahead of many regional and community banks.

The bank operates roughly 900 branches across the Midwest and Mid-Atlantic, with the largest concentration in Ohio, Pennsylvania, Michigan, Indiana, and Kentucky. Huntington also has a growing digital banking presence and serves customers in all 50 states through online and mobile channels.

Key Takeaways

  • Huntington Bancshares held approximately $180 billion in assets as of late 2023, making it a mid-sized regional bank rather than a national megabank.
  • Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per account category, regardless of the bank's size.
  • Huntington's size means it has the technology and resources of a large institution but typically operates with more local decision-making than the largest national banks.
  • The bank's financial stability can be checked through public filings with the Federal Reserve and the Office of the Comptroller of the Currency, both of which publish quarterly reports.

What size means for your checking and savings accounts

A bank's size affects how quickly it processes transactions, the breadth of products it offers, and how easily you can reach a human when something goes wrong. Huntington's $180 billion in assets means it has invested in modern payment systems and mobile banking infrastructure, so your ACH transfers, wire transfers, and debit card transactions typically process on standard timelines—usually one to two business days for ACH, same-day for wires sent before the cutoff time, and immediate for debit card purchases.

Huntington's size also means it offers a wider range of products than a small community bank would: multiple checking and savings account tiers, money market accounts, certificates of deposit (CDs), investment services through a subsidiary, and business banking products. However, it is smaller than JPMorgan Chase or Bank of America, so some specialized services (like certain types of commercial lending or international banking) may require referral to a larger institution or a partner bank.

FDIC insurance protection does not depend on bank size

Your deposits at Huntington are insured by the FDIC up to $250,000 per depositor, per insured bank, per ownership category. This protection exists whether you bank at a $180 billion institution or a $500 million one. The FDIC insurance limit applies to each account category separately: a standard checking account, a savings account, and a money market account each get their own $250,000 protection, as do joint accounts and retirement accounts.

If Huntington were to fail—an extremely rare event for a bank of this size—the FDIC would step in to either arrange a sale to another bank or pay out insured deposits directly. This has not happened to Huntington in its history, and the bank is regularly examined by federal regulators to ensure it maintains adequate capital and follows lending rules.

How to check Huntington's financial health yourself

Huntington's financial statements are public. You can find quarterly and annual reports filed with the Securities and Exchange Commission (SEC) on the SEC's EDGAR database or on Huntington's investor relations website. These filings show the bank's total assets, loan portfolio, deposit base, capital ratios, and profitability.

The Federal Reserve and the Office of the Comptroller of the Currency (OCC) also publish examination summaries and ratings for banks they supervise. Huntington is examined by the Federal Reserve because it is a bank holding company. You can search for Huntington's most recent examination report through the Federal Reserve's public database or ask Huntington's customer service for a copy of its most recent public examination report, which banks are required to make available.

Regional size versus national megabanks

Huntington's $180 billion in assets puts it in the "large regional bank" category. It is substantially larger than a community bank (typically under $10 billion in assets) but much smaller than JPMorgan Chase ($3.7 trillion) or Bank of America ($2.4 trillion). This middle position has practical consequences for how you interact with the bank.

At a megabank, you may wait longer to reach a human on the phone because call volume is enormous, but you have access to a vast array of specialized services. At Huntington, branch staff often have more authority to make decisions on account issues, and you may reach someone faster, but some specialized services may not be available in-house. For most people with standard checking, savings, and credit needs, Huntington's size is sufficient; for complex commercial lending or international transactions, you may need to work with a larger bank or a specialist.

How Huntington's size affects transaction processing and customer service

Huntington processes transactions through the same networks as every other bank: the Federal Reserve's ACH system for bank-to-bank transfers, the SWIFT network for international wires, and the Fedwire system for same-day transfers. Your transaction speed does not depend on whether you bank at Huntington or Chase; it depends on the type of transaction and the receiving bank's processing schedule.

Customer service availability varies by channel. Huntington offers phone support during business hours, online chat during extended hours, and 24/7 mobile app access. For disputes—a late payment, a fraudulent charge, or a missing transfer—Huntington has a formal dispute process governed by federal law (Regulation E for electronic transfers, Regulation Z for credit transactions). The timeline for resolution is set by law, not by the bank's size: typically 10 business days for an initial investigation, with a final answer within 45 days.

Frequently Asked Questions

Is Huntington Bank safe? Will it go out of business?

Huntington is a publicly traded, federally regulated bank with $180 billion in assets. It is examined regularly by the Federal Reserve and the OCC. Banks of this size rarely fail; the last major bank failure in the United States was in 2023 (Silicon Valley Bank), which was much smaller. Your deposits are insured by the FDIC regardless.

Does Huntington's size mean my transfers take longer?

No. ACH transfers take one to two business days because that is how the Federal Reserve's system works, not because of the bank's size. Wire transfers sent before the cutoff time (usually 2 p.m. Eastern) settle same-day. Debit card transactions are immediate. Huntington processes on the same timelines as every other bank.

Can I get better customer service at a smaller bank?

Possibly, but not because of the bank's size alone. Smaller banks may have staff who know you personally and can make quick decisions. Huntington's size means more resources for technology and fraud prevention, but potentially longer phone wait times. The quality of service depends more on the specific branch and staff than on whether the bank is regional or national.

What if I have a problem with my account and Huntington won't help?

You can file a complaint with the Office of the Comptroller of the Currency (OCC), which supervises Huntington. The OCC has a complaint hotline and online form. You can also contact your state's banking regulator or the Consumer Financial Protection Bureau (CFPB). These agencies investigate complaints and can compel banks to respond.