Huntington Bancshares
Financials
63
out of 100. Number 97 of 512, counting from the worst.
Where Huntington Bancshares does well
- Renewals 4 of 20. Few problems found.
- Huntington offers a genuine 30-day opt-out of the arbitration clause (rare among large banks' card agreements) and even credits the cost of the certified letter — though the jury-trial waiver still stands. It does NOT share customer information with nonaffiliates for marketing ('No — We don't share'), does not sell personal information, and does not share it for cross-context behavioral advertising. Affiliate marketing and affiliate sharing of creditworthiness data can be limited by calling 800-537-0861. California and Vermont residents get stricter limits (no sharing of credit/financial info except as permitted by law, no joint marketing), and Nevada residents can join an internal do-not-call list. In arbitration the bank pays filing/hearing fees beyond what you'd pay to file in court, pays your attorney/witness/expert fees if you prevail, and offers a $7,500 minimum award incentive if you give pre-dispute notice and win.
You can opt out of forced arbitration, but only by sending a signed letter by certified mail within 30 days of getting the agreement — and even if you do, you still waive your right to a jury trial.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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You can opt out of forced arbitration, but only by sending a signed letter by certified mail within 30 days of getting the agreement — and even if you do, you still waive your right to a jury trial. The jury waiver survives no matter what you do.
An Arbitration Rejection Notice is only effective if it is signed by you (all of you, if more than one) and if we receive it within thirty (30) calendar days after the date we first provide you with a credit Card Agreement or written notice providing you a right to reject this Arbitration Provision... These are the only procedures you can use to reject the Arbitration Provision. ... PLEASE NOTE THAT THE JURY TRIAL WAIVER, WHICH IS LISTED BELOW, IS NOT PART OF THIS ARBITRATION PROVISION. REJECTING THIS ARBITRATION PROVISION WILL NOT ACT AS A REJECTION OF THE JURY TRIAL WAIVER.
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No class actions, ever — not in court, not in arbitration, not even joining someone else's claim. If the class-action ban is struck down, the whole arbitration clause dies with it (it's nonseverable), but the default is you fight the bank alone.
Notwithstanding any other provision of the Agreement, if either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join or consolidate Claims with claims of any other persons. ... The parties acknowledge and agree that under no circumstances will a class action be arbitrated.
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The arbitration clause outlives your account, your relationship with the bank, and even bankruptcy — and the bank can invoke it mid-lawsuit after you've already filed in court.
This Arbitration Provision shall survive (i) the termination or closing of your Account, (ii) the termination of any relationship between us, including the termination of this Agreement, and (iii) any bankruptcy of any party... Electing arbitration... This notice can be given before or after the beginning of a lawsuit or with respect to other Claims brought later in the lawsuit.
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The bank can add, change, or delete any term — including your interest rate. The 45-day notice only applies 'if notice is required,' so terms that don't legally require notice can change silently.
Change in Terms: We may add, change or delete the terms of your Account (including, but not limited to, Annual Percentage Rate and other significant changes). If notice is required, it will be mailed to you at least fortyfive (45) days prior to the effective date of the change.
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Huntington shares your data for its own marketing and with joint-marketing partners, and you cannot opt out of either. And the sharing doesn't stop when you leave — former customers' data keeps being shared under the same terms.
For our marketing purposes — to offer our products and services to you: Yes [shared] / No [cannot limit]. For joint marketing with other financial companies: Yes / No. For our affiliates' everyday business purposes — information about your transactions and experiences: Yes / No. ... When you are no longer our customer, we continue to share your information as described in this notice.
Consumer Privacy Notice (GLBA FACTS notice) | Huntington Bank
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The legacy FirstMerit card terms still hosted on Huntington's site say amendments can apply retroactively — to transactions that happened before the amendment even took effect, as long as a balance is unpaid. And separately, the bank can sell or transfer your account and its rights to someone else with no notice to you and no say from you.
Amendment — Upon notice to you as may be required by law, the terms and conditions set forth in this Agreement may be amended by Bank at any time, which amendment(s) shall govern any transaction occurring prior to the effective date of the amendment(s) as to which there is any unpaid balance owing to us on the effective date of the amendment(s) and the amendment(s) shall also govern any transaction occurring after the effective date. / Assignment — We have the right to assign and transfer our rights under this Agreement and any amounts you owe to Bank... at any time without prior notice to you or your consent.
How these were found
Documents actually read via browser_open on huntington.com on 2026-10-01: (1) Huntington Secured Credit Card Cardholder Agreement, FORM SCSCHUMERBOXSTAT (12/25), copyright 2026 Huntington Bancshares Incorporated, dated accurate as of 06/2026; (2) Consumer Privacy Notice (GLBA FACTS notice) current web page; (3) Personal Information Collection & Use Notice PDF (CA-Data-Privacy-Rights.pdf). The retroactive-amendment clause comes from the legacy FirstMerit Bank Consumer Credit Card Agreement (FMER-Standard-MC-Terms-and-Conditions) still hosted on huntington.com — it is a legacy document and may not reflect current Huntington terms. Huntington's main Consumer Deposit Account Agreement and Online Banking Agreement are not publicly retrievable (the accountdisclosures page returned HTTP 403); findings therefore lean on the publicly available card agreement and privacy notices. No mirrors were needed; all quotes are from the official domain.
These notes come from the original draft and are not independent verification.