I have been a checking account holder at this bank for 15 years. I've consistently maintained a balance, but lately only used the account occasionally. In july 2012, i logged into my account, only to find that it was closed. Dormant account fees of $5 per month had been assessed to the point where the balance was totally consumed. The bank explained that after six months of no activity, the bank starts assessing its monthly dormant account fees. The problem is that i have definitely gone more than six months in the past without activity, so this must be a new rule -- perhaps one hidden in a new set of "terms and conditions" for the account? I don't know. Initially they offered to refund me a portion of the fees.
But then my account again was assessed dormant account fees that again brought the account to zero, only this time they started accruing after only 3 months of no activity. How could 3 months of no activity be grounds for labeling an account dormant? A phone call to the branch where i opened the account was unreturned. Customer service declined to offer me any fee refund. I was told "we appreciate your years of banking with us," and thus ended my 15 years of being a huntington account holder, after the bank garnished my entire account balance via successive (dubious in my view) fees.
The funds availability policy is ridiculous. It is takes them three days to process a check that my local credit union makes available immediately after deposit. Their overdraft fees are astronomical! $37.50! Definitely don't recommend.