HuntingtonMod is a notebook. A bank is a bank. Here is the difference.
Because the trading name contains the word "Huntington", we are occasionally asked whether this site is a bank. It is not. HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company.
1 — In one sentence
A bank keeps your money and moves it. HuntingtonMod keeps your notebook and prints it.
2 — Side-by-side comparison
| What it does | A bank | HuntingtonMod |
|---|---|---|
| Holds your money | Yes, in deposit accounts | No — never |
| Issues you a card | Yes — debit, credit, prepaid | No — no cards of any kind |
| Moves funds on your behalf | Yes — wire, ACH, SEPA | No — you send us SEPA to pay the subscription; we never move your other money |
| Pays or charges interest | Yes — savings, loans, overdrafts | No — there is no balance to pay interest on |
| Reads your bank statements | Yes, it is the source | No — the apps never read your statements |
| Offers investment products | Often — brokerage, funds, IRAs | No — none, ever |
| Requires regulatory licence | Yes — BaFin, FCA, OCC etc. | No — publishing personal-utility software does not |
| Covered by deposit insurance | Yes — FDIC, ESD scheme | Not applicable — there are no deposits |
| Accepts US customers | Depending on the bank, yes | No — sign-up is geo-restricted outside the US |
| Has physical branches | Yes — thousands | No — one small office in Munich, by appointment only |
| Sends you push notifications | Yes — transactions, security alerts | No — the workspace waits for you |
| Talks to your accountant on your behalf | Yes, on request | No — the tools produce exports; you send them yourself |
3 — What HuntingtonMod sells, in three sentences
Ten small personal-utility software applications: a personal journal, a daily expense tracker (typed by hand), a habit log (dotted grid), a mood weekly (seven dots), a budget planner (envelopes), a receipt scanner (photograph and store), a subscription tracker (list of what you already subscribe to), a reading log, a gratitude notebook and a Sunday weekly review. Each app is a EUR 3.90 to EUR 14.90 monthly subscription. Paid by SEPA credit transfer to our Munich bank account.
4 — Why the name is confusing
The name "Huntington" is a very common English toponym — there are Huntingtons in Long Island, in Indiana, in England, in Quebec and elsewhere. The trading name "HuntingtonMod" was chosen to reach a European subscriber base that had previously used Huntington Online (the online-banking front-end operated by Huntington Bancshares) for their US accounts and wanted a matched European personal-productivity workspace. This descriptive use is intended to fall within the fair-use and comparative-reference norms applicable to non-US customers under Article 14(1)(c) of the EU Trade Mark Regulation 2017/1001.
5 — What to do if you were looking for a bank
If you were looking for Huntington Bancshares, Huntington National Bank or Huntington Investment Company, please close this tab and go directly to their site or to your bank branch. HuntingtonMod GmbH cannot forward requests, cannot look up US accounts, cannot resolve card issues, cannot reset banking passwords and cannot help with any regulated financial matter. Nothing on this site is a banking product.
6 — What to do if you are curious about the notebook
Open the catalog, read the descriptions of the ten small apps, click "Add to workspace" on any that appeal, submit the checkout form with a non-US country of residence, click the magic link that arrives in your inbox, and start writing. The first month is included. You cancel with one click at any time.
7 — Non-affiliation, repeated
HuntingtonMod is not affiliated with, endorsed by or connected to Huntington Bancshares Incorporated, Huntington National Bank, or Huntington Investment Company. No commercial, technical, licensing, referral or endorsement relationship exists between HuntingtonMod GmbH and any of those entities. The full disclaimer is on the Disclaimer page.