Company: HBAN
Filing Date: 2025-02-28
Form Type: S-3ASR
Source: 0001193125-25-042581
Chunk: 6

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 6
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 Form 8-A filed with the 
 SEC on February 9, 2021, including any subsequently filed amendments and reports updating such description; and                                                                                                                                                                         |

| • |     | The description of the depositary shares each representing a 1/1,000th interest in a share of our 5.70% Series I Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, which is registered under Section 12 of the Securities Exchange Act, in our Form 8-A filed with the 
 SEC on June 9, 2021, including any subsequently filed amendments and reports updating such description.                                                                                                                                                                                   |

| • |     | The description of the depositary shares each representing a 1/40th interest in a share of our 6.875% Series J Non-Cumulative Perpetual Preferred Stock, par value $0.01 per share, which is registered under Section 12 of the Securities Exchange Act, in our Form 8-A filed with the 
 SEC on March 6, 2023, including any subsequently filed amendments and reports updating such description.                                                                                                                                                                                |

Notwithstanding the foregoing, we are not incorporating any document or information deemed to have been furnished and not filed in accordance with SEC rules. Upon written or oral request, we will provide — at no cost to the requester — a copy of any or all of the information that has been incorporated by reference in this prospectus but not delivered with this prospectus. You may make a request by writing to the following address or calling the following telephone number: Investor Relations Huntington Bancshares Incorporated 41 South High Street Columbus, Ohio 43287 Phone: (614) 480-5676 5

FORWARD-LOOKING STATEMENTS

This prospectus, the accompanying prospectus supplement and the documents incorporated herein and therein by reference contain certain
forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements, which are not historical facts and are subject to numerous assumptions, risks, and uncertainties. Statements that do not
describe historical or current facts, including statements about beliefs and expectations, are forward-looking statements. Forward-looking statements may be identified by words such as “expect,” “anticipate,” “believe,”
“intend,” “estimate,” “plan,” “target,” “goal,” or similar expressions, or future or conditional verbs such as “will,” “may,” “might,” “should,”
“would,” “could