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

Company: HUNTINGTON BANCSHARES INC /MD/
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 3
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| HUNTINGTON BANCSHARES INCORPORATED    |     |      |  7 |
| SECURITIES WE MAY OFFER               |     |      |  8 |
| USE OF PROCEEDS                       |     |      | 10 |
| PLAN OF DISTRIBUTION                  |     |      | 11 |
| LEGAL MATTERS                         |     |      | 12 |
| EXPERTS                               |     |      | 13 |

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ABOUT THIS PROSPECTUS This prospectus is part of a registration statement that we filed with the U.S. Securities and Exchange Commission (the “SEC”) using a “shelf” registration or continuous offering process. Under this shelf process, we, or, under certain circumstances, one or more selling security holders to be identified in the future may from time to time sell any combination of the securities described in this prospectus in one or more offerings. The following securities may be offered from time to time:

| • |     | common stock; |

| • |     | preferred stock; |

| • |     | depositary shares; |

| • |     | senior debt securities; |

| • |     | subordinated debt securities; |

| • |     | junior subordinated debt securities; |

| • |     | warrants; |

| • |     | stock purchase contracts for securities; |

| • |     | guarantees; or |

| • |     | units. |

This prospectus provides you with a general description of the securities that we or any selling security holder may offer as well as other information you should know before investing in our securities. Each time that we or any selling security holder offers securities, we will file with the SEC a prospectus supplement containing specific information about the terms of the securities being offered. The prospectus supplement may include a discussion of any risk factors or other special considerations that apply to those securities. The prospectus supplement may also add, update, or change the information in this prospectus. If there is any inconsistency between the information in this prospectus and the applicable prospectus supplement, you should rely on the information in that prospectus supplement. You should read both this prospectus and the applicable prospectus supplement together with additional information described under the headings “Where You Can Find More Information” and “Information Incorporated by Reference.” The registration statement containing this prospectus, including exhibits to the registration statement, provides additional information about us and the securities offered under this prospectus. The registration statement can be