The short answer
The registry records Huntington 24-Hour Grace Overdraft Fee Reversal as a possible interpretation of HUNTINGTON 24HR GRACE. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
How Huntington 24-Hour Grace Operates
Unreviewed registry note: 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.
Unreviewed registry note: 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.
- Unreviewed registry note: Automated fee waiver memo credited under the 24-Hour Grace protection policy
- Unreviewed registry note: Balance adjustment resolving a temporary overdraft deficit
Verifying 24-Hour Grace Fee Reversals
Unreviewed registry note: Review your transaction history to ensure the fee credit matches the original fee debit.
- Unreviewed registry note: Log in to huntington.com or the Huntington mobile application.
- Unreviewed registry note: Review your checking transaction activity to identify the initial overdraft fee charge.
- Unreviewed registry note: Verify that the qualifying deposit cleared before midnight Central Time on the following business day.
- Unreviewed registry note: 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?
Unreviewed registry note: 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?
Unreviewed registry note: 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 registry groups. A shared group does not establish who billed your transaction.
Independent reference — not affiliated with Huntington National Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- 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
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