Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I had opened a Huntington 25 checking account on XX/XX/2020 by visiting the local branch in XXXX ( XXXX XXXX XXXX XXXX, XXXX, ILXXXX ). The account was opened by the relationship banker of the branch. I had also mentioned to her about the {$500.00} account opening bonus offer that I received via the email ( XXXX ). The code was entered by her in the system and the account was opened. 

The terms of the bonus were : To qualify for the {$500.00} cash bonus, you are required to open a new, qualifyingHuntington25 Checking account during the promotional period between XX/XX/2020 and XX/XX/2020 and make cumulative new money deposits into the checking account of at least {$15000.00} or more within 60 days of account opening. " New money '' is defined as money that is not currently on deposit in anyHuntingtonaccount ( except maturing personal CDs ). Person to Person payments ( such as XXXX ) are not considered a deposit for this offer. Account must maintain an open status for at least 90 days before it is eligible for the bonus payment. 
Your {$500.00} bonus will be deposited into your new checking account within 14 days of meeting the above requirements. Your checking account must remain in an open status to receive the bonus. 
This offer is only available to new checking customers. All existingHuntingtonchecking customers, including those with any relationship ( including fiduciary ) to any otherHuntingtonchecking account, or those who closed a checking account within the last six months, are not eligible. 
Transfers from anotherHuntingtondeposit account do not count as a deposit. This offer can not be used in combination with any other checking offer. For tax purposes, you will receive a Form 1099-INT from us for the cash bonus.Huntingtonreserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships. 
As of XX/XX/2020, the annual percentage yield ( APY ) for this account is 0.05 % for all amounts in all rate tiers. Rates may change as this product is a variable rate product. Fees may reduce earnings. 
This offer is only available to applicants residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, or West Virginia. 
Huntingtonis not responsible for and will not honor promotional offers that appear on third party websites not affiliated with, or authorized by, TheHuntingtonNational Bank. 

I have met all the requirements for the bonus, but I havent received it yet. When I reached out to the sales team who takes care of bonus related issues, they mentioned to me that I havent met my bonus requirements because a couple of my transfers were RTP transfers and that they dont consider RTP transactions to be a satisfactory requirement for the bonus. No where in the terms have they mentioned anything about RTP transfers.

I also spoke to the relationship manager in which I specifically asked if RTP transactions would be considered valid for the bonus. She replied saying it was valid and that only person-to-person payments like XXXX transfers wont be considered valid. 

I tried reaching out to her as well, but got no response. Now, Im being denied the {$500.00} for no fault of mine. On top of that Ive been charged $ XXXX monthly maintenance fee.