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NONINTEREST INCOME
 12 Months Ended
Dec. 31, 2021
Revenue from Contract with Customer [Abstract]  
NONINTEREST INCOME NONINTEREST INCOME
Huntington earns a variety of revenue including interest and fees from customers as well as revenues from non-customers. Certain sources of revenue are recognized within interest or fee income and are outside of the scope of ASC Topic 606, Revenue from Contracts with Customers (“ASC 606”). Other sources of revenue fall within the scope of ASC 606 and are generally recognized within noninterest income. These revenues are included within various sections of the Consolidated Financial Statements. The following table shows Huntington’s total noninterest income segregated between contracts with customers within the scope of ASC 606 and those within the scope of other GAAP Topics.
Year Ended December 31,
(dollar amounts in millions)202120202019
Noninterest income
Noninterest income from contracts with customers$1,113 $884 $939 
Noninterest income within the scope of other GAAP topics776 707 515 
Total noninterest income$1,889 $1,591 $1,454 
The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 25 - “Segment Reporting”:
Year Ended December 31, 2021
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts$85 $278 $6 $3 $— $372 
Card and payment processing income19 292 — — — 311 
Trust and investment management services3 63 — 166 — 232 
Insurance income7 48 — 49 1 105 
Other noninterest income45 26 3 8 11 93 
Net revenue from contracts with customers$159 $707 $9 $226 $12 $1,113 
Noninterest income
within the scope of other GAAP topics
364 338 4 1 69 776 
Total noninterest income$523 $1,045 $13 $227 $81 $1,889 
Year Ended December 31, 2020
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $74 $217 $6 $4 $— $301 
Card and payment processing income15 221 — — — 236 
Trust and investment management services5 44 — 140 — 189 
Insurance Income7 43 — 46 1 97 
Other noninterest income22 26 2 11 — 61 
Net revenue from contracts with customers$123 $551 $8 $201 $1 $884 
Noninterest income
within the scope of other GAAP topics
241 394 1 — 71 707 
Total noninterest income$364 $945 $9 $201 $72 $1,591 
Year Ended December 31, 2019
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts$64 $297 $7 $4 $— $372 
Card and payment processing income15 218 — — — 233 
Trust and investment management services4 34 — 139 1 178 
Insurance Income6 34 — 47 1 88 
Other noninterest income24 32 4 6 2 68 
Net revenue from contracts with customers$113 $615 $11 $196 $4 $939 
Noninterest income
within the scope of other GAAP topics
246 210 1 2 56 515 
Total noninterest income$359 $825 $12 $198 $60 $1,454 
Huntington generally provides services for customers in which it acts as principal. Payment terms and conditions vary amongst services and customers, and thus impact the timing and amount of revenue recognition. Some fees may be paid before any service is rendered and accordingly, such fees are deferred until the obligations pertaining to those fees are satisfied. Most Huntington contracts with customers are cancelable by either party without penalty or they are short-term in nature, with a contract duration of less than one year. Accordingly, most revenue deferred for the reporting period ended December 31, 2021 is expected to be earned within one year. Huntington does not have significant balances of contract assets or contract liabilities and any change in those balances during the reporting period ended December 31, 2021 was determined to be immaterial.