specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Huntington Bancshares
providerId: huntington-bancshares
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Banking
  - Treasury
  - Payments
description: 'FOCUS-aligned FinOps for Huntington Bank treasury APIs: API access is bundled with
  the commercial banking treasury management contract. Cost surface is account-analysis fees, per-transaction
  fees (ACH, wire, RTP), and ERP-integration service charges rather than per-call API consumption.'
notes: Per-call API pricing is not published; cost flows through the broader Huntington commercial
  banking relationship.
sources:
  - https://hnbdevportal.huntington.com/
  - https://www.huntington.com/Commercial/treasury-management
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: The Huntington National Bank
serviceCategory: Banking & Treasury Management
billingModel:
  pricingCategory: Bundled (Commercial Banking Contract)
  billingFrequency: Monthly account analysis
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Adjustment
focusColumns:
  ServiceName: Huntington Treasury Management API
  ServiceCategory: Banking & Treasury Management
  ProviderName: Huntington Bancshares
  PublisherName: The Huntington National Bank
  InvoiceIssuerName: The Huntington National Bank
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: account_analysis_fees
    description: Monthly account-analysis charges from the treasury management agreement; the primary
      cost surface for API-enabled treasury workflows.
    unit: month
    aggregation: sum
    dimensions:
      - account
      - service_code
  - name: ach_transactions
    description: ACH origination and receipt transaction count submitted via the API.
    unit: transaction
    aggregation: sum
    dimensions:
      - direction
      - account
  - name: wire_transactions
    description: Wire-transfer count submitted via the API; typically priced per wire at the contracted
      rate.
    unit: transaction
    aggregation: sum
    dimensions:
      - type
      - account
  - name: rtp_transactions
    description: Real-Time Payments / FedNow transactions submitted via the API.
    unit: transaction
    aggregation: sum
    dimensions:
      - account
  - name: api_requests
    description: API call volume across the 500+ interfaces; not directly billed but useful for capacity
      and quota monitoring.
    unit: request
    aggregation: sum
    dimensions:
      - api
      - consumer_key
principles:
  - name: Visibility
    description: Reconcile monthly account-analysis statements against API transaction logs. Use
      the developer portal usage view (when surfaced) to track per-consumer-key call volume against
      Apigee quotas.
  - name: Allocation
    description: Tag API consumer keys per ERP system / business unit. Map account-analysis service
      codes back to the consuming team for chargeback.
  - name: Optimization
    description: Batch ACH origination where possible; minimize same-day wire usage in favor of standard
      ACH or RTP for predictable lower fees; cache reference data (account balances, payee lists)
      to reduce redundant API calls; review unused services on the account-analysis statement quarterly.
  - name: Accountability
    description: Designate a treasury-operations owner accountable for per-transaction fee variance.
      Establish SLAs with Huntington partner enablement for quota raises and incident response.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com