The short answer
A line showing HUNTINGTON 24HR GRACE documents an automatic fee waiver or fee reversal credited to your checking account under the Huntington 24-Hour Grace program after you deposited funds to resolve a negative balance before midnight the next business day.
How Huntington 24-Hour Grace Operates
A transaction entry labeled HUNTINGTON 24HR GRACE on your bank statement is not a debit or penalty, but an automated credit from The Huntington National Bank. It represents the Huntington 24-Hour Grace Overdraft Fee Reversal, an overdraft buffer designed to give account holders time to correct negative balances. When an electronic debit, checkcard swipe, or scheduled ACH electronic payment drives your checking account below zero, Huntington's system temporarily records an overdraft fee, then reverses that charge if you restore your balance in time.
The credit posts automatically once you deposit sufficient funds into your checking account before the bank cutoff: midnight Central Time (1:00 AM Eastern Time) on the next business day. Qualifying deposits can arrive through branch teller deposits, mobile check capture, ATM cash deposits, or incoming wire transfers. If the deposited funds bring your ledger back to a positive balance before the deadline, the bank generates this fee reversal credit to wipe out the prior overdraft assessment.
Because this entry adds money back to your account, you do not need to dispute or cancel it. However, you should review your online banking ledger or mobile app statement to confirm the credited amount precisely offsets the previous fee debit. If you believe a deposit was finalized before the cutoff but the grace reversal failed to post, contact Huntington customer service or visit a local branch with your deposit receipt to request an immediate manual adjustment.
- Automatic refund of an overdraft fee after making a qualifying deposit by the next business day cutoff
- Automated fee waiver memo credited under the 24-Hour Grace protection policy
- Balance adjustment resolving a temporary overdraft deficit
Verifying 24-Hour Grace Fee Reversals
Review your transaction history to ensure the fee credit matches the original fee debit.
- Log in to huntington.com or the Huntington mobile application.
- Review your checking transaction activity to identify the initial overdraft fee charge.
- Verify that the qualifying deposit cleared before midnight Central Time on the following business day.
- Confirm that the HUNTINGTON 24HR GRACE credit offset the fee in full.
Frequently Asked Questions
What is the exact cutoff time for Huntington 24-Hour Grace deposits?
Deposits must be made before midnight Central Time (1 AM Eastern Time) on the next business day following the day your account became overdrawn.
Do mobile check deposits count toward 24-Hour Grace?
Yes, qualifying mobile check deposits submitted and approved before standard processing cutoffs count toward resolving overdrawn balances.
Part of a family
HUNTINGTON 24HR GRACE is one of the Huntington National Bank statement codes lines — see the whole family decoded.
Independent reference — not affiliated with Huntington National Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Huntington 24-Hour Grace Program Disclosures https://www.huntington.com/Personal/checking/24-hour-grace
- CFPB Overview of Bank Overdraft Grace Periods https://www.consumerfinance.gov
Reviewed Sep 11, 2026 · high · About UnknownCharges