Call Huntington's customer service or visit a branch to close your account
You can close a Huntington Bank account by phone, in person, or online through your account settings. The fastest route is usually a phone call to Huntington's customer service line at 1-800-480-2265, where a representative can walk you through the process and answer questions about your specific account. If you prefer to close it in person, visit any Huntington branch with a valid ID and ask to speak with an account representative.
Before you close the account, make sure you have a plan for any automatic payments or direct deposits tied to it. Huntington will not close the account if there are pending transactions, so you may need to wait a few business days after your last transaction clears. Once the account is closed, you won't be able to use the debit card or access online banking, so transfer any remaining funds to another account first.
Key Takeaways
- Call 1-800-480-2265 or visit a Huntington branch in person to start the closure process.
- Move any remaining balance to another account before closing, since you won't be able to access the funds after closure.
- Update any automatic payments or direct deposits to a different account so you don't miss bills or paychecks.
- The account will close within a few business days after you request it, assuming there are no pending transactions.
- Keep your final statement for your records, which Huntington will mail to you or make available online.
Steps to take before calling to close
Review your account for any automatic payments or recurring charges. Log into your Huntington online banking account and check the last few months of transactions to see what bills or subscriptions are coming out of this account. Common ones include utilities, insurance, streaming services, gym memberships, and loan payments. Write down each one so you don't forget to update them.
Transfer your remaining balance to another bank account. If you have money left in the Huntington account, move it to a checking or savings account at another bank before you close. You can do this through an external transfer in online banking, or ask a Huntington representative to help you during the closure call. Once the account is closed, Huntington will not hold your money—it will be returned to you, but the process takes longer.
Gather your account number and any recent statements. Have your Huntington account number ready when you call, along with your Social Security number or tax ID. If you have questions about fees, interest earned, or transactions, pull up a recent statement so you can reference it during the call.
How to close by phone
Call Huntington customer service at 1-800-480-2265 during business hours. Have your account number, Social Security number, and a valid ID ready. The representative will verify your identity by asking security questions, such as your address, date of birth, or recent transactions. This usually takes two to three minutes.
Tell the representative you want to close your account and confirm that all automatic payments have been moved. Ask them to confirm the account balance and whether any pending transactions are still processing. If there are pending items, the representative will tell you how long to wait before the account can close. Request written confirmation of the closure, which Huntington will mail or email to you.
Ask about any final fees or interest owed. Some accounts charge a monthly maintenance fee even in the final month, or may owe you interest if it's a savings account. The representative will explain any charges and confirm your final balance. If you have a remaining balance after fees, ask how and when you'll receive it.
How to close in person at a branch
Find your nearest Huntington branch using the branch locator on Huntington's website or by calling 1-800-480-2265. Bring a valid government-issued ID, such as a driver's license or passport. If you have a co-owner on the account, both of you should be present, though some branches may allow one person to close the account with written authorization from the other.
Walk in during business hours and ask to speak with an account representative or a new accounts specialist. Tell them you want to close your account. They will verify your identity, review your account balance, and ask about automatic payments. The process usually takes 10 to 15 minutes. Ask for a receipt or written confirmation of the closure before you leave.
Request your final statement in person or ask for it to be mailed to you. If you have a remaining balance, the representative can issue a check on the spot or transfer the funds to another account you provide. This is faster than waiting for a mailed check, which can take five to seven business days.
What happens after you close your account
Your debit card will stop working when ready or within one business day. If you have automatic payments set up, they will start to fail or bounce. This is why updating your payment methods before closing is critical—a missed payment can hurt your credit or result in late fees from the company you owe.
Huntington will mail your final statement to the address on file. This statement will show all transactions through the closure date, any final fees, and your closing balance. Keep this for your records, especially if you had a savings account that earned interest or if you need proof of account closure for tax purposes.
If you had a Huntington credit card, closing your checking or savings account does not close the credit card. You will need to close the credit card separately by calling the credit card customer service line or logging into your credit card account online.
Reasons Huntington might not close your account when ready
Pending transactions will delay closure. If you made a purchase with your debit card or wrote a check that hasn't cleared yet, Huntington will ask you to wait until it posts. This usually takes two to five business days. The representative will tell you the exact date when you can call back to complete the closure.
Outstanding fees or negative balance will need to be settled. If your account is overdrawn or you owe Huntington fees, you must pay the balance before closing. You can do this by transferring money from another account, bringing cash to a branch, or asking the representative to deduct it from a linked account.
Joint account holders must both request closure or provide written consent. If someone else is on the account, both of you need to agree to close it. If you're the only one requesting closure and the other person doesn't consent, Huntington will not close the account. You may need to remove the other person first or contact Huntington's dispute resolution team.
Frequently Asked Questions
Will closing my Huntington account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score, since Huntington does not report deposit accounts to credit bureaus. However, if you close the account before paying off an overdraft or outstanding fee, that unpaid balance could be reported and damage your credit. Pay any balance owed before closing.
What if I have a pending direct deposit or paycheck coming in?
Contact your employer or the organization sending the deposit and update your banking information before you close the account. If a deposit arrives after closure, Huntington will return it to the sender, and you'll have to ask your employer to resend it to your new account. This can delay your paycheck by one to two weeks, so update your information at least a week before closing.
Can I reopen a Huntington account after closing it?
Yes, you can open a new Huntington account after closing one. However, if your account was closed due to fraud, repeated overdrafts, or violation of Huntington's terms, you may be flagged in Huntington's system and denied. Contact Huntington to ask whether you're may be able to access to open a new account before explore.
How long does it take to receive my final balance after closing?
If you request a check at the branch, it's issued on the spot. If Huntington mails a check, it typically arrives within five to seven business days. If you ask for a transfer to another bank account during the closure call, the funds usually post within one to three business days, depending on the receiving bank.
Do I need to close my Huntington credit card if I'm closing my checking account?
No. Your Huntington credit card is a separate account and will remain open unless you close it separately. You can keep using the credit card after closing your checking account. If you want to close the credit card too, call the credit card customer service number on the back of your card.