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NONINTEREST INCOME
 9 Months Ended
Sep. 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 September 30,Nine Months Ended September 30,
Noninterest income2022202120222021
Noninterest income from contracts with customers$345 $315 $975 $794 
Noninterest income within the scope of other GAAP topics153 220 507 580 
Total noninterest income$498 $535 $1,482 $1,374 
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 September 30, 2022
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $20 $70 $2 $1 $— $93 
Card and payment processing income6 84 — — — 90 
Trust and investment management services1 16 — 43 — 60 
Insurance income2 14 — 11 1 28 
Capital markets fees37 2 1 — (2)38 
Other noninterest income29 6 1 1 (1)36 
Net revenue from contracts with customers$95 $192 $4 $56 $(2)$345 
Noninterest income within the scope of
other GAAP topics
86 51 — 1 15 153 
Total noninterest income$181 $243 $4 $57 $13 $498 
Three Months Ended September 30, 2021
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $23 $89 $1 $1 $— $114 
Card and payment processing income6 85 — — — 91 
Trust and investment management services— 17 — 44 — 61 
Insurance income2 12 — 11 — 25 
Capital markets fees4 1 — 1 — 6 
Other noninterest income1 7 1 1 8 18 
Net revenue from contracts with customers$36 $211 $2 $58 $8 $315 
Noninterest income within the scope of
other GAAP topics
114 91 2 — 13 220 
Total noninterest income$150 $302 $4 $58 $21 $535 
Nine Months Ended September 30, 2022
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $65 $222 $5 $3 $— $295 
Card and payment processing income17 242 — — — 259 
Trust and investment management services3 51 — 134 — 188 
Insurance income6 40 — 39 1 86 
Capital markets fees48 6 2 1 (2)55 
Other noninterest income72 18 1 2 (1)92 
Net revenue from contracts with customers$211 $579 $8 $179 $(2)$975 
Noninterest income within the scope of
other GAAP topics
262 206 2 2 35 507 
Total noninterest income$473 $785 $10 $181 $33 $1,482 
Nine Months Ended September 30, 2021
(dollar amounts in millions)Commercial BankingConsumer & Business BankingVehicle FinanceRBHPCGTreasury / OtherHuntington Consolidated
Major Revenue Streams
Service charges on deposit accounts $64 $201 $4 $2 $— $271 
Card and payment processing income14 211 — — — 225 
Trust and investment management services1 45 — 122 — 168 
Insurance income5 38 — 33 1 77 
Capital markets fees11 4 1 1 — 17 
Other noninterest income3 15 1 6 11 36 
Net revenue from contracts with customers$98 $514 $6 $164 $12 $794 
Noninterest income within the scope of
other GAAP topics
255 266 3 1 55 580 
Total noninterest income$353 $780 $9 $165 $67 $1,374 
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 September 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 September 30, 2022 was determined to be immaterial.