A consumer deposit account agreement is a legally binding document that outlines the terms and conditions of an individual`s deposit account with a financial institution. The Huntington National Bank is one such institution, and they offer a range of deposit accounts for their customers.

The Huntington Consumer Deposit Account Agreement is the specific agreement that governs these types of accounts. As a professional, I will break down the document and highlight some of the important sections that customers should be aware of.

Sections of the Huntington Consumer Deposit Account Agreement

1. Introduction: The document starts with an introduction that outlines the general terms and conditions of the agreement.

2. Account Ownership: This section outlines the different types of account ownership options available to customers and the associated legal responsibilities of each type.

3. Deposits: The deposit section outlines the types of deposits that can be made to the account, including checks, wire transfers, and direct deposits.

4. Withdrawals: This section outlines the different types of withdrawals that can be made from the account, including ATM withdrawals, in-person withdrawals, and electronic withdrawals.

5. Fees: The fee section outlines the different fees associated with the account, including overdraft fees, account maintenance fees, and transaction fees.

6. Account Closure: This section outlines the process for closing the account, including any fees or requirements that must be met.

7. Amendments: This section outlines the bank`s right to modify the agreement and the customer`s right to terminate the account if they do not agree to the modifications.

8. Limitation of Liability: This section limits the bank`s liability for any losses or damages incurred by the customer in connection with the account.

9. Dispute Resolution: The dispute resolution section outlines the customer`s options for resolving disputes with the bank.


The Huntington Consumer Deposit Account Agreement is an important document that outlines the terms and conditions of a customer`s deposit account with the bank. As a professional, it`s important to pay attention to the language used in the agreement to ensure that it is clear and understandable to customers. By breaking down the document into its key sections, customers can better understand their rights and responsibilities when opening and using a deposit account with Huntington.