Banks

Alan Greenspan Dead at 100: The Rise, Reign, and his Complicated Legacy

Published

3 months ago

June 25, 2026

Alan Greenspan, the legendary Federal Reserve Chairman who steered the US economy for 19 years, died on June 22, 2026, at age 100. Here is the complete story of his legacy, from the “Great Moderation” to the 2008 financial crisis.

The Maestro Is Gone

The man who once moved global markets with a single phrase died quietly at his Washington home on June 22, 2026. Alan Greenspan, the 13th Chairman of the Federal Reserve who served under four US presidents, passed away at the age of 100 from complications of Parkinson’s disease. His wife of 29 years, NBC News correspondent Andrea Mitchell, announced the news in a statement that rippled across financial markets and economic circles worldwide.

The tributes poured in immediately. The Federal Reserve said it noted Greenspan’s passing with “deep sadness” and credited his “contributions to monetary policy and economic thought” for leaving “a lasting mark on this institution, on the broader field of economics, and on the country.” Ben Bernanke, who succeeded Greenspan and guided the Fed through the worst financial crisis since the Great Depression, called him “a great central banker who helped lead his country through almost two decades of prosperity.”

Yet the story of Alan Greenspan is not a simple tale of triumph. It is one of the most fascinating and contested legacies in modern economic history — a story of extraordinary success shadowed by catastrophic failure.

From Juilliard Jazz to Fedspeak: A Peculiar Rise to Power

Few would have predicted that a jazz clarinetist from Washington Heights, New York City, would one day become the most powerful unelected official on earth. Born on March 6, 1926, Greenspan showed mathematical acumen from a young age and attended the Juilliard School before pivoting to economics, earning his bachelor’s degree from New York University in 1948 and his master’s in 1950. He later completed a PhD from NYU in 1977.

In the early 1950s, Greenspan became an associate of Ayn Rand — the “Atlas Shrugged” author whose laissez-faire, objectivist philosophy would quietly shape his economic worldview for decades. From 1955 to 1987 he ran his own economic consulting firm, building a reputation on Wall Street as a careful, data-driven thinker before President Ronald Reagan nominated him as Fed Chairman in August 1987.

Two months after taking office, he faced his first crisis: Black Monday, the stock market crash of October 1987, when the Dow plummeted over 20% in a single day. Greenspan’s swift intervention — flooding the banking system with liquidity — averted a broader meltdown and established his reputation as a decisive crisis manager. The legend of “the Maestro” was born.

The Great Moderation: Greenspan’s Finest Hour

The 1990s were Greenspan’s golden decade. He presided over one of the longest economic expansions in US history, a boom stretching from 1991 to 2001, characterized by low inflation, surging stock markets, and unprecedented prosperity. Ordinary Americans hung on his every word. “With a couple of choice words he can momentarily send the stock market to heaven or hell,” the Washington Post noted in 1997.

His reign at the central bank coincided with what economists called the “Great Moderation” — a period of stability from the mid-1980s until 2007 marked by low inflation, stock market gains, and strong economic growth. He navigated the Fed through the Asian Financial Crisis of 1997–1998, the dot-com bubble’s early warning signs, and the shock of 9/11 — each time managing to keep the US economy afloat.

Greenspan became famous — or infamous — for a deliberately opaque speaking style known as “Fedspeak.” He once said he would “deliberately garble his syntax to avoid saying anything that might move financial markets.” Congress routinely left his testimony scratching their heads. Markets parsed his every word with forensic intensity.

The one exception — the phrase that defined his era — came in December 1996 when, surveying a booming stock market, Greenspan publicly wondered aloud whether investors were displaying “irrational exuberance.” The remark momentarily rattled global stock markets. Yet the bubble kept inflating for another four years.

The Shadow: 2008 and the Reckoning

When Greenspan retired in January 2006, after 19 years in office, he was celebrated as the greatest central banker of his generation. Within two years, that reputation was in ruins.

The 2008 global financial crisis — triggered by the collapse of a housing bubble built on subprime mortgage debt — wiped out trillions of dollars in wealth and cost millions of Americans their homes and jobs. Critics pointed directly at Greenspan’s record: his advocacy for financial deregulation, his reluctance to pop asset bubbles, his faith in the self-correcting wisdom of markets.

His loose hand at the central bank is widely cited as a contributing cause of the 2008 financial crisis. His successor guided the economy through the crisis. As MIT economist Simon Johnson later told PBS Frontline: “Alan Greenspan was coming from a very libertarian tradition: Keep your hands off everything. The markets will sort themselves out. And if there’s a problem, then we’ll clean up afterwards. That really was the way the Federal Reserve operated under his leadership for almost 20 years.”

In a remarkable moment of public introspection, Greenspan testified before Congress in 2008 and acknowledged a fundamental flaw in his worldview — that markets were not always as self-correcting as he had believed. As NPR’s retrospective noted, he will ultimately be remembered as “both a maestro of monetary policy and a reluctant regulator — his legacy shaped by the boom he fostered, and by the bust he failed to prevent.”

Greenspan in the Trump Era: A Defender of Fed Independence

Even in his final years, Greenspan remained engaged. In January 2026, months before his death, he co-signed a joint statement with other former Fed and Treasury officials denouncing a reported criminal probe of then-Fed Chair Jerome Powell, calling it “an unprecedented attempt to use prosecutorial attacks to undermine” the Fed’s independence.

It was a fitting final act — the man who had done more than anyone to build the modern Fed’s credibility, using his remaining influence to protect it.

What the Markets Said

News of Greenspan’s death broke on a Monday, and Wall Street paused to reflect. Economists from across the ideological spectrum recognized the end of an era. The BBC described him as the “architect of the modern American economy.” The New York Times called him the “pre-eminent economic policymaker of his time.”

Now, with a new Fed Chairman — Kevin Warsh — already signaling a hawkish pivot and inflation running at 4.2%, the echoes of Greenspan’s era feel more relevant than ever. The debate he ignited over when central banks should prick asset bubbles, how much communication is too much, and whether markets can truly regulate themselves, remains unresolved.

Key Facts at a Glance

Fact	Detail
Full Name	Alan Greenspan
Born	March 6, 1926, New York City
Died	June 22, 2026, Washington D.C. (age 100)
Cause of Death	Complications of Parkinson’s Disease
Fed Tenure	1987–2006 (19 years)
Presidents Served Under	Reagan, H.W. Bush, Clinton, George W. Bush
Famous Phrase	“Irrational exuberance” (1996)
Survived By	Wife, Andrea Mitchell (NBC News)

FAQ

Q: What was Alan Greenspan’s most famous quote? “Irrational exuberance,” spoken in 1996 to describe a potentially overheated stock market. It sent global markets briefly into a tailspin and became one of the most cited phrases in financial history.

Q: Was Greenspan responsible for the 2008 financial crisis? He is widely considered a contributing factor. His advocacy for financial deregulation and his reluctance to regulate derivatives markets created conditions that enabled reckless risk-taking by banks. However, the crash occurred two years after he left office.

Q: Who replaced Greenspan at the Fed? Ben Bernanke succeeded him in 2006. Jerome Powell later became Chair, followed by Kevin Warsh in 2026.

Q: How long was Greenspan Fed Chairman? 19 years — the second-longest tenure in Fed history, behind only William McChesney Martin.

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Banks

Citibank & Dólar Estadounidense: Forex Playbook After the Xi-Trump Truce

Published

23 hours ago

September 27, 2026

Abdul Rahman

With the September 24, 2026, US-China trade truce extended rather than permanently resolved, Citibank and institutional peers are pricing dólar estadounidense forecasts around a narrow, event-driven volatility window. For cross-border businesses and remittance senders, this compressed timeline shifts the focus from a clean directional currency bet to active hedging ahead of the new Q1 2027 deadline.

Why Citibank Is a Bellwether for Dólar Estadounidense Direction

Citibank’s global markets desk remains one of the most-cited authorities in dollar-peso forecasting due to its dual footprint: a deep US retail and corporate banking presence combined with one of the most extensive correspondent-banking networks across Latin America. When Citibank’s macroeconomic strategists adjust their USD/MXN forecasts, remittance companies, importers, and forex retail platforms typically follow suit within days. Therefore, tracking Citibank’s post-summit positioning offers a highly accurate proxy for where institutional capital expects the dollar to move next.

The September 24 Trade Truce Extension: What Changed

The September 24 Trump-Xi summit at the White House did not yield the durable macroeconomic trade agreement some forex analysts had priced in. Instead, US Treasury Secretary Scott Bessent confirmed a roughly two-month extension of the existing tariff pause, which had been originally set to lapse in November 2026. Analysts at preview briefings—including China specialists at CSIS—had already flagged rare-earth export controls and AI technology restrictions as the most difficult hurdles, which proved accurate.

For currency desks, an “extension-without-resolution” sends a specific technical signal: it eliminates the tail risk of an immediate, severe trade-war escalation, but maintains the uncertainty premium that emerging market currencies have priced in since the spring. This explains the sharp, localized spike in the USD/MXN pair following the September 24 announcement, as traders unwound overly optimistic positions and re-priced for continued negotiations.

Dólar Estadounidense: Current Post-Summit Positioning

Data updated as of late September 2026.

Metric	Current Reading / Forecast	Market Context
USD/MXN Spot Rate	~17.65–17.70 pesos per dollar	Spiked from 16.95 in mid-September following the Sept 24 summit.
USD 12-Month Change vs. Peso	Dollar down ~2% year-over-year	Late September volatility has narrowed the dollar’s YOY deficit.
Citi Analyst Survey (Year-End 2026)	~17.50 pesos per dollar	Indicates expectations of slight stabilization.
Monex House Forecast (2026)	~17.80 pesos per dollar	Pricing a higher geopolitical risk premium into Q4.

Sources: Banxico FIX rate reporting; Citi Encuesta de Expectativas survey of 37 institutions; Monex economic research.

Why the Peso Remained Historically Strong in 2026

Despite the immediate post-summit dollar spike, the peso mexicano has maintained a broader resilience through much of 2026. Three macroeconomic forces explain this dynamic:

Persistent Carry-Trade Demand: Even with central bank adjustments, Mexico’s benchmark interest rate remains significantly higher than the US Federal Reserve’s rate. This spread keeps peso-denominated sovereign debt highly attractive to yield-seeking capital.
Resilient Remittance and Nearshoring Flows: Despite US-China trade friction, North American supply chain integration (nearshoring) and the US-Mexico goods trade have remained robust, ensuring structural dollar inflows into Mexico.
A Weaker Broad Dollar Trend: Tied to the broader Fed easing cycle, the dollar has occasionally softened against a basket of global currencies, limiting its ability to achieve runaway momentum against the peso.

Citibank’s Forex Playbook for the Rest of 2026

Institutional desks like Citibank are advising corporate clients to treat the current Q4 window as a critical hedging opportunity rather than a speculative directional bet. With the new truce deadline landing in the opening weeks of Q1 2027, volatility will likely cluster around that date regardless of the ultimate macroeconomic outcome.

Practical takeaways for cross-border exposure:

Lock in Forward Contracts: Secure forex pricing before the Q1 2027 truce deadline if your business has scheduled cross-border payments in that window.
Monitor the 10-Year Treasury Yield: Yields have acted as a more responsive, real-time indicator of trade-risk pricing this year than delayed central bank statements.
Track the Remittance Corridor: Treat US-Mexico remittance-corridor pricing as directional context; it is one of the most liquid, closely watched proxies for broader dollar sentiment.

Q4 2026 to Q1 2027 Predictive Scenarios

Scenario	Anticipated USD/MXN Path	Market Probability
Base Case: Truce holds into Q1 2027, talks continue	Peso stabilizes near the 17.40–17.70 range	Highest
Tail Risk: Truce collapses before the new deadline	Dollar spikes toward 18.50+ on safe-haven risk-off flows	Moderate
Bullish Surprise: Durable US-China deal reached	Peso strengthens back toward 16.50–16.90	Low (Near-term)

Frequently Asked Questions

What is the dólar estadounidense worth in pesos today?

Following the late-September 2026 summit volatility, the dollar is trading in the 17.65–17.70 peso range, up from sub-17.00 levels earlier in the month. Because forex markets fluctuate continuously, always confirm against Banxico’s FIX rate or a live institutional feed before executing a transfer.

Why does a US-China summit affect the Mexican peso?

While Mexico is not a direct party to the Xi-Trump negotiations, US-China trade tension directly impacts the broad US dollar index and global risk appetite. These macroeconomic shifts immediately spill over into every dollar-paired emerging market currency, including the highly liquid Mexican peso.

Is now a good time to send money via the US-Mexico remittance corridor?

For dollar earners sending money to Mexico, the late-September bump to ~17.67 pesos per dollar offers slightly better purchasing power than the mid-September lows. However, timing depends heavily on individual cash-flow needs rather than attempts to perfectly time geopolitical news cycles.

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Mortgage

How the Trump-Xi White House Summit Is Reshaping Mortgage Rates Today for Real Estate Investors

Published

23 hours ago

September 27, 2026

Abdul Rahman

The September 24 Trump-Xi summit produced a two-month trade-truce extension rather than a durable deal — and that ambiguity, not a headline breakthrough, is what’s now keeping the 10-year Treasury yield elevated and mortgage rates parked near 7% heading into the fourth quarter.

Mortgage Rates Today: The Q4 2026 Baseline

Freddie Mac’s benchmark survey put the 30-year fixed-rate mortgage at 6.95% for the week of September 17, 2026 — the fourth consecutive weekly increase and the highest reading since January 2025. The 15-year fixed climbed in tandem to 6.26%. A year earlier, the 30-year average sat more than half a point lower, near 6.26%.

Loan Type	Rate (week of Sept. 17, 2026)	Rate (1 year prior)
30-year fixed	6.95%	6.26%
15-year fixed	6.26%	5.41%
5/1 ARM	~6.8%–7.0%	—
30-year VA	~6.2%–6.3%	—

Source: Freddie Mac Primary Mortgage Market Survey; Zillow daily rate tracker.

The proximate driver is the bond market, not the housing market. Mortgage pricing tracks the 10-year Treasury yield, and that yield has been climbing toward the high-4% range through September on a combination of heavy government issuance and a Federal Reserve that has signaled it is in no hurry to cut. Layer geopolitical risk on top — oil above $90 a barrel amid Middle East disruption, plus unresolved US-China friction — and lenders are pricing in a wider risk premium.

Why the Summit Matters to Your Rate Lock

Real estate investors tend to treat foreign policy as background noise. That’s a mistake in Q4 2026. The Trump-Xi relationship is now the single largest swing factor in how bond markets price forward risk, because it touches three things that feed directly into Treasury yields: tariff policy, rare-earth and technology export controls, and the credibility of the disinflation narrative the Fed needs to justify future rate cuts.

What Actually Happened at the September 24 Summit

Xi Jinping’s September 24 visit to the White House was the second Trump-Xi meeting of 2026, following a May 14–15 state visit to Beijing where the two sides agreed to pursue what they termed a “constructive, strategically stable relationship.” The Washington leg was shorter on ceremony and shorter on breakthroughs. According to Reuters’ pool reporting, Treasury Secretary Scott Bessent confirmed the two sides extended their trade truce — originally due to lapse in November — by roughly two months, buying time rather than locking in a structural agreement.

That is the detail markets are trading on. An extension without resolution leaves tariff rates, Chinese purchasing commitments, rare-earth export licenses, and technology restrictions all still in play heading into the new year. For bond investors, unresolved trade risk is inflationary risk: tariffs raise input costs, and rare-earth bottlenecks squeeze manufacturers that feed into consumer prices. Both push against the case for near-term Fed easing, and Fed policy is the single biggest lever on where mortgage rates land.

Three Summit Threads With Direct Rate Impact

The 60-day trade truce clock. With the new deadline now sometime in early 2026’s first quarter, expect renewed rate volatility as that date approaches — mortgage desks should treat any lock decision inside that window as elevated-risk.
AI and export-control friction. Both sides used the September summit to air disagreements over AI development and chip/technology export controls, an area CSIS analysts have flagged as the least-resolved dimension of the relationship. Unresolved tech friction keeps a geopolitical risk premium baked into yields.
No durable tariff resolution. Core tariff and purchasing questions were pushed into the next round of talks, meaning the inflation uncertainty that has kept the Fed cautious remains unresolved.

Featured Snippet: What Is the Average Mortgage Rate Today?

As of mid-to-late September 2026, the average 30-year fixed mortgage rate in the US is running just under 7%, per Freddie Mac’s weekly survey — the highest level since January 2025, driven by rising Treasury yields tied to heavy government borrowing and unresolved US-China trade risk following the September 24 Trump-Xi summit.

Asian Growth and the Global Rate Picture

The mortgage story doesn’t stop at the US border. The Asian Development Bank’s September 2026 outlook nudged developing Asia’s 2026 growth forecast up slightly to 5.0%, even as regional inflation stays elevated near 4.2%. Stronger Asian growth alongside sticky inflation is broadly consistent with the “higher for longer” global rate environment that’s keeping US mortgage rates elevated — it’s not just a domestic story.

Q4 2026 Predictive Outlook

Base case: 30-year fixed rates hold in the 6.7%–7.1% band through year-end, with volatility clustering around the new US-China truce deadline and the next two Fed meetings.
Upside risk (higher rates): A breakdown in the truce, renewed tariff escalation, or a hawkish surprise from the Fed pushes the 30-year toward 7.25%–7.5%.
Downside risk (lower rates): A durable trade framework or a faster-than-expected inflation cooldown could pull rates back toward the low 6% range, though nothing in current Fed communication points to that in Q4.

FAQ

Will mortgage rates go down before the end of 2026?

Most forecasters, including those tracked by Freddie Mac and major bank research desks, see rates holding near current levels through Q4 2026 absent a clear resolution to US-China trade tensions or a faster Fed pivot.

How does the Xi-Trump summit affect US mortgage rates?

It affects rates indirectly, through Treasury yields. Unresolved trade and tech-export issues keep an inflation and geopolitical-risk premium in bond markets, which raises the yields that mortgage-backed securities are priced against.

What is a good mortgage rate right now?

Relative to the current national average near 6.9%–7.0%, well-qualified borrowers securing rates half a point or more below the weekly Freddie Mac average are getting a comparatively strong deal in today’s market.

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Bank Account

Huntington Online Banking: Full Features, Fees, and How It Compares in 2026

Published

3 days ago

September 25, 2026

Abdul Rahman

Huntington online banking app displayed on a smartphone beside a Huntington bank card, with a modern bank branch and financial comparison graphic in the background.

Most banks charge an overdraft fee the moment your balance dips below zero — Huntington built its entire consumer banking reputation on refusing to do that, and its 24-Hour Grace program remains one of the most distinctive features in U.S. retail banking more than a decade after launch.

Huntington National Bank, headquartered in Columbus, Ohio, operates one of the more feature-rich online and mobile banking platforms among regional U.S. banks, built around a “fair play” philosophy that predates the broader industry’s more recent overdraft-fee reforms. For anyone comparing online banking platforms, understanding exactly what Huntington offers — and where it falls short — matters more than generic marketing claims.

This guide breaks down Huntington’s online banking features, fee structure, and how it stacks up against typical regional and online-only bank alternatives.

How Huntington’s Online Banking Platform Works

Huntington’s digital banking centers on a small number of genuinely differentiated features rather than an exhaustive features list, with its overdraft-relief program as the clear centerpiece.

Key takeaway: Huntington was the first major U.S. bank to introduce a next-business-day overdraft grace period back in 2010, in direct response to shifting consumer attitudes following the 2008 financial crisis — a policy still in place today as “24-Hour Grace.”

Core Online and Mobile Banking Features

24-Hour Grace® — waives overdraft and return fees if the account is brought positive by midnight Central Time the next business day, with no enrollment required.
All Day Deposit — extends the effective banking day until midnight Central Time for mobile and ATM deposits, meaning same-day deposit credit for a longer window than most banks offer.
Mobile check deposit and bill pay — standard features available through Huntington’s highly rated mobile app.
Account alerts — free text and email alerts for low balances, helping customers avoid triggering an overdraft in the first place.
Account linking (overdraft transfer protection) — automatically transfers funds from a linked savings or money market account to cover a shortfall, free of charge.
Digital wallet integration — debit cards can be linked to Samsung Pay and Google Pay for mobile purchases.

Step-by-Step: Setting Up Huntington Online Banking

Open a Huntington checking or savings account, either online or in-branch, with identity verification and an opening deposit.
Enroll in online banking through Huntington’s website or mobile app using your new account credentials.
Set up account alerts for low balances to proactively manage overdraft risk, even with 24-Hour Grace as a backstop.
Link external accounts, if desired, for transfers or a consolidated view of your full financial picture.
Download the mobile app for check deposit, bill pay, and on-the-go account management.
Enroll in overdraft transfer protection, if you hold a linked savings or money market account, for an additional layer of fee avoidance.

Financial and Strategic Implications: Huntington’s Fee Structure

Understanding the actual fee schedule — not just the marketing highlights — is essential before choosing any bank, including one with a strong overdraft-relief reputation.

Fee Type	Huntington’s Rate	Context
Overdraft fee	$15	Waived under 24-Hour Grace if cured by next business day
Nonsufficient funds fee	None	Notably more favorable than many competitors that still charge NSF fees
Monthly maintenance fee	$0–$25 depending on account tier	Often waivable via direct deposit or minimum balance
Out-of-network ATM fee	$3.50	Comparable to industry norms; in-network access matters for frequent ATM users
Excessive transaction fee	None	Favorable compared to banks that still cap monthly transactions on savings accounts

Expert insight: Huntington’s savings account APYs are generally on the lower end relative to dedicated online-only high-yield savings accounts, meaning customers primarily focused on maximizing savings yield may still want to pair a Huntington checking account with a separate high-yield savings account elsewhere, rather than consolidating everything at one institution.

Business Banking Features Mirror the Consumer Overdraft Philosophy

24-Hour Grace is also available free on Huntington’s business Checking, Savings, and Money Market accounts, extending the same next-business-day cure window to small business customers — a feature not universally matched by competing regional business banking platforms.

Branch and ATM Network Considerations

Huntington operates roughly 1,000 branches across 10 states, concentrated primarily in the Midwest and parts of the Southeast. Customers outside this footprint who want in-network branch or ATM access should weigh this limitation carefully against Huntington’s digital feature set.

How to Decide If Huntington Online Banking Is Right for You

Heavy overdraft-risk customers benefit disproportionately from 24-Hour Grace, making Huntington a stronger fit for those who occasionally run tight on cash flow than for savers optimizing purely for yield.
Compare savings APY separately from checking features — Huntington’s checking-account overdraft protections are strong, but its savings yields are not typically competitive with dedicated online-only high-yield accounts.
Confirm you live or frequently travel within Huntington’s branch footprint if in-person banking access matters to you.
Check current monthly fee waiver requirements for your specific account tier, since these can change and vary by account type.
Consider a hybrid approach — many customers use Huntington (or a similar regional bank) for everyday checking and its overdraft protections, while keeping savings at a separate high-yield online bank.

Key takeaway: Huntington’s core value proposition isn’t the highest interest rates in the market — it’s meaningfully reduced overdraft and fee risk for everyday checking, which matters most to customers who periodically run close to a zero balance rather than those optimizing purely for savings yield.

Future Outlook: Huntington and Regional Bank Digital Trends Through 2027

Overdraft-fee reform has become an industry-wide trend, not just a Huntington differentiator. Since Huntington pioneered 24-Hour Grace, broader regulatory and competitive pressure has pushed many banks to reduce or eliminate overdraft fees, meaning Huntington’s original advantage has partly narrowed relative to the rest of the industry — even as it remains a genuinely strong feature.
Regional banks continue investing in mobile-first features to compete with fintech challengers. Expect continued expansion of in-app financial management tools, alerts, and budgeting features across Huntington and similar regional banks.
Business banking digital features are expanding alongside consumer features. Huntington’s extension of 24-Hour Grace to business accounts reflects a broader trend of regional banks matching consumer-grade digital experience for small business customers.
Branch footprint remains a differentiator versus online-only banks. As some consumers continue to value in-person access for certain transactions, Huntington’s roughly 1,000-branch network remains a relevant advantage over purely digital competitors, within its regional footprint.

Frequently Asked Questions

What is Huntington’s 24-Hour Grace program?

It’s a free, automatic feature that waives overdraft and return fees if you bring your account balance positive by midnight Central Time the next business day, with no enrollment required.

Does Huntington charge a nonsufficient funds (NSF) fee?

No. Huntington does not charge a separate NSF fee, which is more favorable than many competing banks that still charge this fee in addition to overdraft fees.

Is Huntington good for savings accounts specifically?

Not particularly, relative to dedicated online-only high-yield savings accounts. Huntington’s savings APYs tend to run lower than top online banks, making it a stronger fit for everyday checking than for maximizing savings yield.

How many branches does Huntington have?

Huntington operates approximately 1,000 branches across 10 states, concentrated primarily in the Midwest.

Does Huntington offer 24-Hour Grace for business accounts too?

Yes. The feature is available free on Huntington business Checking, Savings, and Money Market accounts, in addition to consumer accounts.