Call Huntington's customer service or visit a branch to close your account

Huntington Bank does not let you close a checking account online. You must either call their customer service line at 1-800-480-2265 or walk into a branch in person. When you call or visit, tell them you want to close the account and ask what balance you need to bring to zero first. If you have pending transactions or automatic payments still linked to the account, Huntington will ask you to stop those before they process the closure.

The closure itself takes a few minutes on the phone or at the branch, but the account may not fully close for three to five business days. During that time, any checks you wrote or automatic payments you set up could still post. Make sure you have moved your direct deposits and bill payments to another account before you call.

Key Takeaways

  • You cannot close a Huntington checking account online; you must call 1-800-480-2265 or visit a branch in person.
  • Bring your account balance to zero and cancel any automatic payments or recurring charges before you close.
  • The account takes three to five business days to fully close after you request it, so plan ahead if you need the account gone by a specific date.
  • If you have overdraft protection linked to another account, Huntington will disable it when you close the checking account.
  • Ask for written confirmation of the closure in case you need proof later for tax or legal reasons.

What to do before you call or visit

Empty your account completely. Huntington will not close an account that still holds money, so withdraw or transfer every dollar to another bank. If you have a small balance you cannot easily access, ask the representative if they can process a refund check to your address instead.

Stop all automatic payments and recurring charges. Log into your Huntington online banking and cancel any bill payments, subscription charges, or automatic transfers you have set up. Check your last few statements to make sure you have caught everything. If a payment posts after you close the account, Huntington may charge you a fee or the transaction could bounce.

Redirect your direct deposit. Contact your employer's payroll department and give them your new bank account number and routing number. This usually takes one to two pay cycles to take effect, so do this at least a week before you plan to close the Huntington account.

Closing by phone versus closing in person

Calling is faster if you live far from a branch. You will need your account number, Social Security number, and the last four digits of the phone number on file. The representative will verify your identity, confirm your balance is zero, and process the closure. The whole call takes about five to ten minutes. Ask them to email or mail you a written confirmation of the closure.

Visiting a branch in person gives you a chance to ask questions face-to-face and get a receipt on the spot. Bring your debit card and a photo ID. If you have a safety deposit box or other services tied to the account, the branch representative can help you close those at the same time. Branches are usually open Monday through Friday from 9 a.m. to 5 p.m., and some are open Saturday mornings.

What happens to your debit card after closure

Your Huntington debit card will stop working as soon as the account closes. You do not need to do anything to deactivate it — it will simply decline at any merchant or ATM. If you want to destroy the card yourself, cut it in half and throw it away. Huntington does not require you to return it.

If you have set up any online shopping accounts or subscription services that use your Huntington debit card, update those with a new payment method before you close the account. If a charge tries to post after the account is closed, the merchant will see a "card declined" message and may charge you a failed-payment fee.

Overdraft protection and linked accounts

If you have overdraft protection set up — where Huntington covers overdrafts by pulling money from a savings account or credit line — that protection ends when you close the checking account. Any linked savings account will remain open unless you specifically ask to close that too. If you want to keep the savings account, make sure it has its own separate balance and is not dependent on the checking account.

If you have a Huntington credit card or line of credit tied to the same account, closing the checking account does not affect it. Your credit card will continue to work normally, and you can still make payments on it.

After the account closes

Keep your final statement for your records. Huntington will mail it to you within one to two weeks, or you can download it from online banking before the account fully closes. This statement shows the final balance, the date of closure, and any fees charged during the last month.

If you receive a check from Huntington after closure — for example, a refund of unclaimed funds or an error correction — cash it at any bank or ATM. Huntington may also send you a 1099 form if you earned interest on the account during the year; keep this for your tax records.

If you later realize you need to access old statements or dispute a transaction from the closed account, contact Huntington within 60 days. After that, they may charge a fee to retrieve archived records, or they may not be able to help you at all.

Frequently Asked Questions

Can I close my Huntington account if I still owe overdraft fees?

No. Huntington will ask you to pay any outstanding fees or negative balance before they close the account. If you dispute a fee, ask the representative to review it; some fees can be waived if you have been a customer for a long time or if the overdraft was caused by a bank error.

What if I have checks that haven't cleared yet?

Wait until all outstanding checks have cleared before you close the account. If you close the account while checks are still pending, they may bounce and the payee could charge you a returned-check fee. Ask your bank to hold the account open for 30 days after closure if you are unsure.

Do I need to close my savings account too?

Only if you want to. Closing your checking account does not automatically close any other accounts you have at Huntington. If you want to keep a savings account open, you can; if you want to close everything, tell the representative to close all accounts at once.

Will closing my account hurt my credit score?

No. Closing a checking account does not appear on your credit report and does not affect your credit score. Only credit accounts — credit cards, loans, lines of credit — show up on your credit history.

How long does it take to get my money back if I transfer it before closing?

If you transfer money to another bank at the same institution, it usually posts within one business day. If you transfer to a different bank, it takes one to three business days depending on the receiving bank. Plan your transfer at least a week before you want to close the account to make sure the money arrives safely.