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, have your account number ready and be prepared to answer security questions to confirm your identity. If you go to a branch, bring a photo ID.
The bank will ask why you are closing the account, but you do not have to give a detailed reason. They may also try to keep you as a customer by offering to waive fees or adjust your account type. You can decline and proceed with closing.
Before you close, make sure your account balance is zero or that you have arranged to withdraw or transfer any remaining funds. The bank will not close an account with an outstanding balance, and they will not mail you a check for small amounts in all cases.
Key Takeaways
- You must close your Huntington checking account by phone at 1-800-480-2265 or in person at a branch; online closure is not available.
- Have your account number and photo ID ready, and be prepared to answer security questions to verify your identity.
- Withdraw or transfer any remaining balance before closing, because the bank will not close an account with money still in it.
- After closure, Huntington will send you written confirmation in the mail within one to two weeks.
- Check your final statement to confirm all pending transactions cleared before the account closed.
What happens to pending transactions and automatic payments
If you have automatic bill payments or recurring transfers set up on your Huntington checking account, you must cancel them before you close the account. Huntington will not automatically stop these payments when the account closes. Contact each biller or service directly to update your payment method, or log into your Huntington online banking and turn off each automatic payment yourself.
Pending transactions—checks you wrote that have not yet cleared, or debit card charges that are still processing—may still post after you close the account. The bank will honor these transactions and may reopen the account temporarily to process them, or they may return the transaction unpaid. To avoid this, wait at least five to seven business days after your last transaction before closing to ensure everything has cleared.
Timing and confirmation after closure
Huntington typically closes your account on the same day you request it, either by phone or in branch. However, it takes one to two weeks for the bank to mail you written confirmation of the closure. Do not assume the account is closed until you receive this letter.
Keep this confirmation letter for your records. It shows the final date the account was active and confirms that no outstanding balance remains. If you need proof of closure for another bank or creditor, this letter is your documentation.
Stopping direct deposits and redirecting paychecks
If your employer deposits your paycheck into your Huntington checking account, you must update your direct deposit information with your employer's payroll department before you close the account. Provide them with your new bank account number if you are moving to another bank, or ask them to issue paper checks instead.
Direct deposits that arrive after your account closes will be returned to your employer. Your employer may then reissue the payment as a paper check, but this can take several days or weeks. To avoid a gap in pay, update your direct deposit at least one pay period before you close the account.
Overdraft fees and negative balances
If your Huntington checking account has a negative balance—meaning you owe the bank money—you cannot close it until you pay what you owe. Overdraft fees and any other charges must be settled before closure. If you are unsure of your exact balance, call customer service and ask for the current amount owed.
Pay the negative balance by transferring money from another account, depositing cash at a Huntington branch, or mailing a check to the address provided by customer service. Once the balance reaches zero, you can proceed with closing the account.
What to do if you have linked accounts or credit products
If you have a Huntington savings account, money market account, or credit card linked to your checking account, closing the checking account does not automatically close these other products. However, if your savings account or credit card relies on the checking account for automatic payments or transfers, you will need to set up a new payment method before closure.
If you have a Huntington line of credit or loan tied to your checking account for automatic payments, contact the loan department to update the payment account. Failure to do this may result in missed payments and damage to your credit.
Frequently Asked Questions
Can I close my Huntington checking account if I have a negative balance?
No. You must pay off any overdraft fees or negative balance before the bank will close the account. Call customer service to confirm the exact amount owed, then pay it by transfer, cash deposit, or check. Once the balance is zero, you can close the account.
What if I close my account and then a check I wrote clears after closure?
Huntington may temporarily reopen your account to process the check, or they may return it unpaid. To prevent this, wait five to seven business days after your last transaction before closing, and confirm all checks have cleared by reviewing your final statement.
Do I need to close my Huntington savings account if I close my checking account?
No. Closing your checking account does not affect your savings account or any other Huntington products. You can keep them open or close them separately by calling customer service or visiting a branch.
Will Huntington charge me a fee to close my checking account?
Huntington does not charge a fee to close a checking account. However, if your account has a negative balance or outstanding fees, you must pay those before closure.
How long does it take to receive confirmation that my account is closed?
Huntington sends written confirmation by mail within one to two weeks of closure. Do not assume the account is closed until you receive this letter. Keep it for your records as proof of closure.