The fastest way to close your account
Call Huntington's customer service at 1-800-480-2265 and tell them you want to close your account. Have your account number ready. They will ask why you are closing, confirm your identity, and walk you through the steps on the phone. This takes about 10 to 15 minutes. If you have a checking or savings account with an outstanding balance, they will either let you withdraw it immediately or mail you a check.
You can also close an account in person at any Huntington branch. Bring a photo ID and your debit card or account number. The teller will process the closure and handle any remaining balance the same way — immediate withdrawal or mailed check. This route works well if you have questions or want to discuss your account before closing.
Online closure is not available through Huntington's website or mobile app. You must call or visit a branch.
Key Takeaways
- Call 1-800-480-2265 or visit a branch in person; online closure is not an option with Huntington.
- Have your account number and photo ID ready, and confirm your identity before the bank will process the closure.
- Any remaining balance will be withdrawn immediately or mailed to you as a check within 5 to 10 business days.
- Stop any automatic payments or direct deposits linked to the account before you close it, or they will fail.
- Request written confirmation of the closure; keep it for your records in case of disputes later.
What to do before you close the account
Move any automatic bill payments to a different account at least one week before closing. This includes utilities, insurance, loan payments, and subscription services. If a payment tries to post to a closed account, it will be rejected and may trigger a late fee or service interruption at the company you owe money to.
Update your direct deposit with your employer or benefits provider if you receive paychecks or government payments. Provide them with your new account number and routing number. Direct deposits to a closed account will bounce back to the sender, and you may not receive your money for several days while it is rerouted.
Check for any pending transactions or holds on the account. If you have written checks that have not cleared yet, wait until they do before closing. A check written against a closed account will be returned unpaid, and you may face overdraft fees or bounced-check fees from the payee.
Pay off any outstanding fees or negative balances. Huntington will not close an account with a negative balance. If you owe money, settle it before you call or visit the branch.
What happens to your remaining money
If your account has a positive balance, Huntington will give you the money when you close. If you close in person at a branch, you can withdraw it as cash on the spot. If you close by phone, the bank will ask how you want the funds sent.
The most common option is a check mailed to your address on file. This takes 5 to 10 business days to arrive. You can also request that the balance be transferred to another bank account you own, though this is less common and may require additional verification.
If your account has a zero balance, there is nothing to collect. The account simply closes.
Timing and what to expect after closure
The account closes immediately when you complete the process by phone or in person. You will no longer be able to use your debit card, write checks, or access the account online. Any pending transactions that have not yet posted will be rejected.
Huntington will send you written confirmation of the closure by mail within 5 to 7 business days. This confirmation includes the date the account closed and the final balance. Keep this letter for your records.
Your account number will not be reused for at least one year. This prevents confusion if a payment or deposit accidentally tries to post to your old number.
If you have a credit card with Huntington
Closing a checking or savings account does not close a credit card account. You must close them separately. Call the credit card customer service number on the back of your card or contact 1-800-480-2265 and ask to speak with the credit card department.
Before closing a credit card, pay off the full balance. You cannot close an account with an outstanding balance. Once the balance is zero, the bank will close the card. Ask for written confirmation and keep it.
Closing a credit card can affect your credit score because it reduces your available credit and may increase your credit utilization ratio on other cards. This effect is usually temporary.
If you have a loan with Huntington
Closing a bank account does not affect an active loan. If you have a mortgage, auto loan, or personal loan with Huntington, you can close your checking or savings account without changing the loan. However, make sure your loan payments are set up to come from a different account or payment method before you close the account the payments are currently tied to.
If you want to close a loan account itself, that is a separate process. You must pay off the loan in full or refinance it with another lender. Contact Huntington's loan department for details on your specific loan.
What to do if something goes wrong
If you close your account and a payment or deposit posts afterward, contact Huntington immediately. Explain what happened and provide the date and amount. The bank can sometimes recover the transaction, especially if it is recent.
If a check you mailed for your final balance does not arrive within 10 business days, call customer service and ask them to trace it. Provide the date you closed the account and your mailing address. They can issue a replacement check or transfer the funds to another account if needed.
If you see charges or activity on the account after you closed it, report it to Huntington right away. This could indicate fraud or a processing error. The bank will investigate and correct any unauthorized activity.
Frequently Asked Questions
Can I reopen a Huntington account after I close it?
Yes. You can open a new account at any time by visiting a branch or calling customer service. However, if you closed the account due to a negative balance or fraud, Huntington may review your history before approving a new account. There is no waiting period, but the bank may decline if there are unresolved issues.
What if I have a joint account?
Both account holders must agree to close a joint account. Call or visit a branch together, or one person can close it with written permission from the other. Huntington will ask for the co-owner's signature or verbal confirmation. The remaining balance will be split according to the account agreement or as you both direct.
Do I need to close my account in the same state where I opened it?
No. You can close your account by phone from anywhere, or visit any Huntington branch in any state. You do not need to return to the branch where you opened the account.
Will closing my account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts are not reported to credit bureaus. However, if you close a credit card or have an unpaid balance when you close, that can impact your score.
What if I forgot to update my direct deposit before closing?
Contact your employer or benefits provider immediately and give them your new account information. Ask them to resubmit the deposit to the correct account. Depending on the payroll cycle, you may receive the money within a few days or have to wait until the next scheduled payment date.