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

Huntington Bank does not let you close an 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 confirm whether you have any outstanding checks or automatic payments linked to it. The bank will ask you how you want to handle your remaining balance—they can send you a check, transfer it to another account, or hold it for pickup.

Closing takes a few minutes on the phone or in person, but the account may not be fully closed in their system for several business days. Ask for confirmation that the account is closed and request a written confirmation if you want a record. Keep this confirmation until you see the account no longer appears on your statement.

Key Takeaways

  • You cannot close a Huntington account online; you must call 1-800-480-2265 or visit a branch.
  • Before closing, check for pending checks, automatic bill payments, or direct deposits tied to the account.
  • Decide how you want your remaining balance handled: check, transfer, or in-person pickup.
  • Ask for written confirmation that the account is closed and keep it until the account disappears from your statement.
  • The account may take several business days to fully close in Huntington's system even after you request closure.

Check for pending transactions before you close

Before you call or visit, review your recent statements and look for any checks you wrote that have not cleared yet. If a check is still outstanding, the bank will need to keep the account open until it clears, or you will need to arrange another way to cover it. Also check whether you have automatic bill payments or recurring charges set to that account—utilities, insurance, subscriptions, loan payments, anything that pulls money out on a schedule.

If you find pending items, you have two choices: wait until they clear before closing, or update those payments to a different account first. Updating them takes a few days, so if you are in a hurry to close, waiting for the checks to clear may be faster. Ask Huntington how long they typically hold outstanding checks; most banks hold them for six months, but the exact policy varies.

What happens to your remaining balance

When you close the account, Huntington will not keep any money left in it. You must tell them what to do with the balance. The most common options are a mailed check, a transfer to another bank account, or a check you can pick up at a branch. If you choose a mailed check, ask how long it takes to arrive—usually five to seven business days from the date you close. If you choose a transfer to another account, have that account's routing number and account number ready.

If you have a very small balance—under $5 or $10—some branches may offer to give you cash on the spot instead. Ask when you call or visit. Do not leave money in the account after closure; Huntington may charge dormancy or inactivity fees on closed accounts, and you could lose track of the balance.

Closing in person versus by phone

Closing by phone is faster if you have a nearby branch and do not want to travel. Call 1-800-480-2265 during business hours (typically 7 a.m. to 11 p.m. Eastern, seven days a week, but confirm the exact hours when you call). Have your account number and a form of ID ready. The representative will walk you through the process, confirm your balance, and arrange how to send it to you.

Closing in person at a branch takes about the same amount of time but gives you a chance to ask questions face-to-face and get a printed receipt immediately. If you want to pick up your balance in cash, you must close in person. Bring your ID and your debit card or account number. Some branches may ask for additional verification if the account has a large balance or if there have been recent disputes.

What to do after the account is closed

After you close, watch your email and mail for a final statement from Huntington. This statement will show the account closure date and confirm the balance was paid out. Keep this statement for your records. If you set up a check or transfer, verify that the money arrived in your new account within the timeframe Huntington quoted.

If you had a debit card linked to the account, it will stop working once the account closes. You do not need to do anything with the card—it will simply decline at checkout. If you want to destroy it, you can cut it up or shred it. Do not throw it away whole, as the card number is still readable on the front.

If you have a linked savings or money market account

If your Huntington checking account was linked to a savings account or money market account for overdraft protection or transfers, closing the checking account does not automatically close the savings account. You will need to close the savings account separately using the same process—call or visit a branch. Check whether you have any automatic transfers between the accounts; if you do, cancel those first or update them to use different accounts.

If you want to keep the savings account open, make sure no automatic payments or transfers are pulling from it. If you want to close both, you can do it in one call or visit by telling the representative upfront that you want to close all linked accounts.

Frequently Asked Questions

Can I close my Huntington account if I have a negative balance?

No. You must bring the account to zero or positive before closing. If you owe money, you will need to deposit funds to cover the negative balance first. Once the balance is zero or positive, you can proceed with closure.

How long does it take for a Huntington account to fully close?

Closure is immediate when you request it, but the account may remain in Huntington's system for several business days. You should see it disappear from your online banking and statements within a week. If it is still showing after two weeks, call customer service to confirm it was actually closed.

What if I close my account and then receive a check from someone trying to deposit it?

The check will bounce or be returned unpaid. Make sure anyone who owes you money has your new account information before you close. If someone deposits a check after closure, they will be notified the account is closed, and the funds will be returned to them.

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 you can visit any Huntington branch, regardless of which state you opened it in. All Huntington branches have access to your account information.

Will closing my Huntington account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score. Credit scores are based on credit history, not deposit accounts. However, if you close the account while owing money or with an unpaid overdraft, that debt could be reported and affect your score.