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NONINTEREST INCOME
 6 Months Ended
Jun. 30, 2022
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 Unaudited Condensed 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.
(dollar amounts in millions)Three Months Ended June 30,Six Months Ended June 30,
Noninterest income2022202120222021
Noninterest income from contracts with customers$322 $257 $630 $479 
Noninterest income within the scope of other GAAP topics163 187 354 360 
Total noninterest income$485 $444 $984 $839 
The following table illustrates the disaggregation by operating segment and major revenue stream and reconciles disaggregated revenue to segment revenue presented in Note 17 “Segment Reporting”.
Three Months Ended June 30, 2022
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $22 $81 $1 $1 $— $105 
Card and payment processing income5 84 — — — 89 
Trust and investment management services2 17 — 44 — 63 
Insurance income2 14 — 12 (1)27 
Capital markets fees7 2 1 1 — 11 
Other noninterest income21 6 — — — 27 
Net revenue from contracts with customers$59 $204 $2 $58 $(1)$322 
Noninterest income within the scope of
other GAAP topics
92 66 1 — 4 163 
Total noninterest income$151 $270 $3 $58 $3 $485 
Three Months Ended June 30, 2021
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $22 $64 $1 $1 $— $88 
Card and payment processing income4 68 — — — 72 
Trust and investment management services— 15 — 40 — 55 
Insurance income1 14 — 9 1 25 
Capital markets fees6 2 — — — 8 
Other noninterest income1 3 — 4 1 9 
Net revenue from contracts with customers$34 $166 $1 $54 $2 $257 
Noninterest income within the scope of
other GAAP topics
80 77 1 — 29 187 
Total noninterest income$114 $243 $2 $54 $31 $444 
Six Months Ended June 30, 2022
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $45 $152 $3 $2 $— $202 
Card and payment processing income11 158 — — — 169 
Trust and investment management services2 35 — 91 — 128 
Insurance income4 26 — 28 — 58 
Capital markets fees11 4 1 1 — 17 
Other noninterest income43 12 — 1 — 56 
Net revenue from contracts with customers$116 $387 $4 $123 $— $630 
Noninterest income within the scope of
other GAAP topics
176 155 2 1 20 354 
Total noninterest income$292 $542 $6 $124 $20 $984 
Six Months Ended June 30, 2021
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $41 $112 $3 $1 $— $157 
Card and payment processing income8 126 — — — 134 
Trust and investment management services1 28 — 78 — 107 
Insurance income3 26 — 22 1 52 
Capital markets fees7 3 1 — — 11 
Other noninterest income2 8 — 5 3 18 
Net revenue from contracts with customers$62 $303 $4 $106 $4 $479 
Noninterest income within the scope of
other GAAP topics
141 174 2 1 42 360 
Total noninterest income$203 $477 $6 $107 $46 $839 
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 June 30, 2022 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 June 30, 2022 was determined to be immaterial.