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

You can close a Huntington Bank account by phone, in person, or online depending on the account type. 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 specific account. If you prefer to close it in person, visit any Huntington branch with a valid ID and ask to speak with an account representative.

Before you close, make sure your account balance is zero or positive. If you have an overdraft or owe fees, you'll need to settle that first. Huntington will not close an account with a negative balance until the debt is paid. Also check that no automatic payments or direct deposits are still tied to the account — these will fail once the account closes, which can cause late fees or missed payments elsewhere.

The closure itself is usually immediate, but it can take three to five business days for the account to fully disappear from Huntington's system. During that window, any checks you've written or pending transactions may still process. Ask the representative how long to wait before opening a new account if you need one right away.

Key Takeaways

  • Call 1-800-480-2265 or visit a branch in person with a valid ID to start the closure process.
  • Your account balance must be zero or positive before Huntington will close it; any overdraft or fees owed must be paid first.
  • Cancel or redirect any automatic payments, direct deposits, or recurring charges before closing to avoid failed transactions.
  • Full closure takes three to five business days, and checks or pending transactions may still clear during that time.
  • Keep your account number and final statement for your records in case you need proof of closure later.

What to do with direct deposits and automatic payments before closing

Any paycheck, government benefit, or other regular deposit going into your Huntington account will bounce back to the sender once the account closes. This can delay your money and trigger confusion with your employer or benefit administrator. Log into your Huntington online banking or call customer service at least one week before you plan to close the account and update the routing and account number for any direct deposits.

Automatic bill payments set up through Huntington will also fail. Go through your recent statements and identify every recurring charge — utilities, insurance, loan payments, subscriptions, anything that pulls money from the account on a schedule. Contact each company directly to update your payment method or pause the payment until your new account is open. Do not rely on Huntington to notify these companies; you are responsible for the redirect.

If you have a Huntington debit card linked to the account, it will stop working once the account closes. Destroy the card or contact Huntington to have it deactivated early if you want to prevent accidental use.

How to handle checks and pending transactions

Checks you've already written may still clear for several days after you close the account. If you close on a Monday, a check someone deposits on Wednesday might still go through on Friday. Huntington will honor checks drawn on closed accounts for a limited time, usually 90 days, but only if the funds are available. If you've already withdrawn your balance, checks will bounce and the account holder will face a returned-check fee.

Before closing, review your recent transactions and ask yourself whether any checks are still in circulation. If you're unsure, wait until you're confident all checks have cleared — typically two to three weeks after you've mailed them. You can also ask Huntington to hold the account open for a few extra days while you verify this.

Pending transactions — charges that show in your account but haven't fully processed yet — may still post after closure. These are usually small and clear within a day or two, but they can cause confusion if you're not expecting them. Ask your representative to flag any pending items before you close.

Closing a joint account or account with a power of attorney

If the account is joint, both owners must consent to close it. Huntington will not close a joint account on the request of one person alone. If you and the other owner disagree about closing, you'll need to contact Huntington together or have one person remove the other as an authorized user first, then close the account in their name only.

If someone has power of attorney over your account, they may be able to close it on your behalf, but Huntington will verify the power of attorney document and confirm your identity or consent. Bring the original or certified copy of the power of attorney document to the branch, or mail it to Huntington along with a signed letter from you authorizing the closure.

What happens to your account history and statements after closure

Huntington keeps records of closed accounts for seven years. You can request copies of old statements or transaction history by calling customer service or visiting a branch, even after the account is closed. There is usually no charge for statements from the past year, but older statements may have a small fee.

Before you close, download or print any statements you might need for taxes, loan applications, or other records. Once the account is closed, accessing old statements becomes slightly more cumbersome, though still possible. If you think you'll need proof of the account closure itself — for example, to show a creditor or government agency that you no longer have the account — ask for a written confirmation letter when you close.

Reopening a Huntington account after closure

You can open a new Huntington account after closing, but there are a few things to know. If you closed the account in good standing with no fees owed, you can usually open a new one immediately. However, if the account was closed due to fraud, repeated overdrafts, or other violations of Huntington's account agreement, you may be flagged in ChexSystems — a banking history database — and Huntington may deny your application for a new account.

If you were flagged, you can request a copy of your ChexSystems report to see what's on file. You have the right to dispute inaccurate information. Even if you're denied at Huntington, you may be able to open an account at another bank, particularly a credit union or online bank with less restrictive policies.

Frequently Asked Questions

Can I close my Huntington account online?

Huntington does not offer full account closure through its online banking portal for most account types. You must call 1-800-480-2265 or visit a branch in person. Some specialized accounts may have different closure procedures, so ask your representative about your specific account type.

What if I have a negative balance or owe fees?

Huntington will not close an account with a negative balance. You must deposit enough money to bring the balance to zero or positive, and pay any outstanding fees. Once the balance is settled, you can proceed with closure.

How long does it take for my account to fully close?

The closure request is processed immediately, but it can take three to five business days for the account to fully disappear from Huntington's system. During this time, pending transactions or checks may still clear. Ask your representative for an exact timeline based on your account type.

Will closing my account hurt my credit score?

Closing a bank account does not directly affect your credit score. Bank account closures are not reported to credit bureaus. However, if you close the account while owing money or have overdraft fees sent to collections, that could impact your credit.

What if I forgot to redirect a direct deposit before closing?

Contact your employer or benefit administrator as soon as possible with your new account information. Most will reissue the deposit to the correct account, though it may take one or two pay cycles. Keep records of when you notified them in case there are questions about missing payments.