Yes, you can open a Huntington savings account online, but the process depends on which type of account you want and whether you already bank with them
Huntington Bank lets you start a savings account through their website or mobile app without visiting a branch. The entire process takes about 10 to 15 minutes if you have the required documents ready. However, some account types require you to complete part of the process in person or by phone, and new customers may need to verify their identity through a video call or by uploading documents.
The speed and ease of opening an account online varies based on whether you are an existing Huntington customer. If you already have a checking account with them, adding a savings account is faster because they already have your information on file. If you are new to Huntington, the bank will ask you to prove who you are before they activate your account.
Key Takeaways
- Existing Huntington customers can open a savings account online in minutes by logging into their account and selecting the option to add a new account.
- New customers must provide a government-issued ID and proof of address, and may need to complete identity verification through video or document upload.
- You will need a Social Security number, initial deposit amount (which varies by account type), and a valid email address to complete the online process.
- Some savings products, like certain promotional or specialty accounts, may require you to call Huntington or visit a branch to open them.
What you need to open an account online
Before you start, gather these items: a valid government-issued photo ID (driver's license, passport, or state ID), your Social Security number, proof of your current address (a recent utility bill, lease, or bank statement), and your email address. You will also need to decide on an initial deposit amount. Huntington's savings accounts typically require a minimum opening deposit, though the amount varies by account type—some have no minimum, while others require $25 or more.
Have your debit card or checking account information ready if you plan to fund the account immediately. If you are opening the account as an existing customer, you can transfer money from your current Huntington account during the setup process. New customers can link an external bank account or provide a debit card to make the initial deposit.
The online process for existing Huntington customers
Log into your Huntington online banking account or open the mobile app. Look for an option labeled "Open a New Account," "Add Account," or "Savings Account" in the main menu. Select the savings account type you want—Huntington offers several, including a standard savings account and accounts with higher interest rates for larger balances. The app or website will walk you through a short form asking for basic information like your desired account name and initial deposit method.
Review the account terms, including the interest rate, any monthly fees, and minimum balance requirements. Confirm your choices, and the account should be active immediately or within one business day. You can then start depositing money and earning interest right away. Your new savings account will appear in your online banking dashboard alongside your other accounts.
The process for new Huntington customers
Start on Huntington's website and select "Open an Account" or "New Customer." You will be asked to choose the type of account you want—in this case, a savings account. Fill in your personal information: full name, date of birth, Social Security number, address, phone number, and email. The form will also ask about your employment status and income, which Huntington uses for compliance purposes.
After you submit your information, Huntington will ask you to verify your identity. This usually happens through one of three methods: uploading a photo of your ID and proof of address, completing a video call with a Huntington representative, or answering security questions based on your credit history. The video verification is often the fastest route and can be done immediately on your phone or computer. Once your identity is confirmed, you will choose your initial deposit method and complete the account setup.
The entire process typically takes 10 to 20 minutes, though identity verification can add time if Huntington needs to review your documents manually. Your account should be ready to use within one business day, though some accounts are activated immediately.
Accounts you may not be able to open online
Most standard Huntington savings accounts can be opened online, but certain products have restrictions. Some promotional savings accounts, specialty high-yield accounts, or accounts tied to specific programs may require you to call Huntington at their customer service number or visit a branch in person. Before you start the online process, check Huntington's website to confirm that the specific account you want can be opened digitally.
If you run into a restriction during the online process, the website or app will tell you and direct you to call or visit a branch. Huntington's customer service team can complete the account opening over the phone, though this takes longer than the online method.
What happens after your account opens
Once your savings account is active, you can deposit money immediately through online transfer, mobile app, ATM, or in-branch deposit. Your debit card will not work for savings withdrawals—you will need to transfer money back to your checking account or request a withdrawal through online banking. Huntington savings accounts are subject to federal limits on withdrawals; you can make up to six transfers or withdrawals per month before fees apply, though this rule varies depending on account type.
Your interest will begin accruing once your deposit clears. Huntington publishes its savings rates on their website, and rates change based on market conditions. You can check your balance, view your interest earnings, and manage your account through online banking or the mobile app at any time.
Common reasons the online process gets delayed
Identity verification is the most common cause of delays. If Huntington cannot confirm your identity through their automated system, they will ask you to upload documents or complete a video call. This can add a few hours to a few days depending on how quickly you respond. Make sure your ID is current and your address matches what you provide in the application.
Mismatched information also causes problems—if your name, address, or Social Security number does not match what is on file with credit bureaus or other banks, Huntington may flag your application for manual review. Double-check every field before submitting. If you have recently moved, make sure your address is updated with the post office and your bank before you apply.
Frequently Asked Questions
Do I need to be a Huntington customer to open a savings account online?
No. New customers can open a savings account online, but you will need to complete identity verification, which may involve uploading documents or taking a video call. Existing Huntington customers can open an account much faster because the bank already has your information.
What is the minimum deposit to open a Huntington savings account?
The minimum opening deposit varies by account type. Some Huntington savings accounts have no minimum, while others require $25 or more. Check the specific account details on Huntington's website before you start the application to confirm the requirement for the account you want.
How long does it take for my savings account to be active after I open it online?
Most accounts are active immediately or within one business day. Identity verification can add time if Huntington needs to review your documents manually. Once your account is active, you can start depositing money and earning interest right away.
Can I open a joint savings account online with Huntington?
Joint accounts typically require both account holders to verify their identity and sign the account agreement. You may be able to start the process online, but Huntington may require you to complete part of it over the phone or in person to ensure both owners consent to the account.
What if my online application is denied?
Huntington will tell you the reason—usually related to identity verification, credit history, or ChexSystems (a banking history report). You can call Huntington's customer service to discuss the denial and explore other account options that may work for your situation.