Call Huntington or visit a branch to close your account

You can close a Huntington savings account by phone, in person at a branch, or sometimes online through your account settings. The fastest route is usually a phone call to Huntington's customer service at 1-800-480-2265, where a representative can walk you through the process and answer questions about your balance and any pending transactions. If you prefer to close it in person, bring a photo ID to any Huntington branch and ask to speak with a banker.

Before you close the account, make sure you know your current balance and have moved or withdrawn any money you want to keep. Huntington will not transfer funds to another bank as part of the closure process — you handle that separately. If your account has a negative balance or outstanding fees, you will need to settle those before closing.

Key Takeaways

  • Call 1-800-480-2265 or visit a branch in person to start the closure process; online closure may be available depending on your account type.
  • Withdraw or transfer your remaining balance before closing, since Huntington does not move money to another bank as part of account closure.
  • Settle any negative balance or unpaid fees before the account can be closed.
  • Ask for written confirmation of closure and keep it for your records in case disputes arise later.
  • If you have automatic payments or direct deposits linked to the account, update those with your new bank information before closing.

What happens to your money when you close

Any balance remaining in your Huntington savings account stays yours — closing the account does not forfeit it. You need to withdraw the money or transfer it to another bank before you close. If you have a small balance and want Huntington to mail you a check, ask the representative handling your closure whether that option is available and how long it takes.

If your account is overdrawn or has unpaid fees, Huntington will deduct those from any remaining balance. If the account is negative and you do not have funds to cover it, you will need to pay the difference before closure is complete. Ask the representative for the exact amount owed so there are no surprises.

Redirect automatic payments and direct deposits first

Before you close the account, change any automatic bill payments, subscription charges, or other recurring transactions that are tied to your Huntington savings account. Log into each service — your utility company, insurance provider, streaming apps, or loan servicer — and update the payment method to your new bank account or a credit card.

If you receive direct deposits (paychecks, government benefits, or transfers from another account), contact your employer, benefits administrator, or the sending bank and provide them with your new account number and routing number. Direct deposits sent to a closed account will bounce back to the sender, and it can take weeks to reroute the money. Make these changes at least a week before you close the account to avoid missed payments or delayed deposits.

Timing and what to expect after closure

Closing a Huntington savings account usually takes a few minutes if you do it in person or over the phone. The representative will confirm your identity, review your balance, and process the closure. You should receive written confirmation — either printed at the branch or mailed to your address on file — within a few business days.

Once closed, you will no longer be able to access the account online or through the Huntington mobile app. Any checks you have written against the account will bounce if they have not cleared yet, so make sure all outstanding checks have been deposited before you close. If you are unsure whether checks are still pending, ask the representative to check your recent transaction history.

If you have linked accounts or credit products

If your Huntington savings account is linked to a checking account, money market account, or credit card for overdraft protection or transfers, closing the savings account will break that link. You will need to set up new overdraft protection or transfer arrangements with your remaining accounts, or remove the link entirely if you do not want it.

Closing a savings account does not affect your credit score or your credit cards, loans, or lines of credit with Huntington. It only removes that specific deposit account from your profile. If you have a Huntington credit card or loan, those remain open and active unless you close them separately.

Keeping records and handling disputes

Save the written confirmation of closure that Huntington provides. If a payment bounces or a transaction is disputed after the account is closed, you will need proof that the account was closed on a specific date. Keep the confirmation for at least a year, along with your final account statement.

If you notice unauthorized charges or errors on your account before closing, report them to Huntington immediately. Once the account is closed, disputing old transactions becomes harder. If a problem arises after closure — for example, a merchant tries to charge the closed account — contact Huntington's dispute department and provide your closure confirmation.

Frequently Asked Questions

Can I reopen a Huntington savings account after I close it?

Yes, you can open a new Huntington savings account at any time. However, if your account was closed due to inactivity or policy violations, Huntington may place restrictions on a new account. Contact a branch or customer service to ask whether you can open a new account without complications.

What if I close my account but still have a pending check or transfer?

Pending transactions may still process after the account is closed, which can cause overdraft fees or bounced checks. Before closing, wait for all pending items to clear or contact the sender to cancel them. Ask Huntington to hold the closure for a few days if you are unsure whether transactions are still in flight.

Do I need to close my account in person, or can I do it entirely by phone?

Phone closure is usually available and is often faster than visiting a branch. However, some account types or situations may require an in-person visit. Call 1-800-480-2265 and ask whether your account can be closed over the phone, or visit a branch if you prefer to handle it face-to-face.

Will closing my savings account affect my Huntington checking account?

Closing your savings account does not automatically close your checking account. They are separate products. However, if the two accounts are linked for transfers or overdraft protection, that link will be removed. Your checking account will remain open unless you close it separately.

What if my account has a negative balance?

You must pay the negative balance before Huntington will close the account. The representative will tell you the exact amount owed. You can pay it over the phone with a debit card or bank transfer, or in person at a branch with cash, check, or card.