Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I opened the checking account on XX/XX/XXXX, and made an initial {$1000.00} deposit about XXXX week later. I performed XXXX more monthly ACH transfers of {$1000.00} from an external bank account to the Huntington Checking account. The terms of the offer are this : " This offer is only available to applicants residing in Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin. 
Cash Bonus Offer. To qualify for a {$400.00} cash bonus, you are required to do ALL of the following : Open a new Huntington Perks Checking account with your promotion code by XX/XX/XXXX. 
Set up and receive total qualifying direct deposits of {$500.00} or more within 90 days from account opening. 
Qualifying direct deposits are regular, periodic automated clearing house ( ACH ) credits, which may include payroll, salary, pension or government payments ( such as Social Security ).

Deposits that DO NOT QUALIFY are those through the Real-Time Payments ( XXXX ) network, and payments through peer-to-peer networks such as XXXX, XXXX, XXXX or others. These do not qualify as direct deposits. Transfers from another Huntington deposit account also do not qualify. 
Maintain an open account status in the eligible checking account for XXXX days. 
The bonus will be deposited into your new checking account within XXXX  days of meeting the promotion requirements stated above. Your checking account must remain in an open status in order to receive the bonus. 
This offer is only available to new personal checking customers. All existing Huntington checking customers, including those with any relationship ( including duciary ) to any other Huntington personal checking account, or those who closed a checking account within the last XXXX months, are not eligible. 
Transfers from another Huntington deposit account do not count as a deposit. This offer can not be used in combination with any other consumer checking offer. For tax purposes, you will receive a Form XXXX from us for the cash bonus. Huntington reserves the right to limit an individual to XXXX account-related gift incentive per rolling XXXX period across all deposit account relationships. '' Since the terms didn't exclude an external transfer via ACH from an outside bank, I made periodic ACH deposits via external bank transfer higher than their minimums. When the XXXX  days was up, I talked to multiple phone brokers, XXXX phone manager, XXXX in branch managers, and multiple corporate appeals people. The corporates claimed that an ACH transfer from an external bank was a real time transfer and not a direct deposit. Even more angering, the transactions had a " Type '' description in their online system of " Direct Deposit ''. 

On XX/XX/XXXX I went to a branch, instructed them to close the account and give me a check with all of the funds. I deposited the check to a separate bank account, not Huntington Bank, the same day. 

FYI. All of their communications with me were verbal. They never provided me a appeal response in writing.

Company response to consumer: Closed with explanation