What you need to open a Huntington savings account
Huntington Bank offers several savings account types, and the steps to open one depend on whether you walk into a branch, call, or use their website. You will need a government-issued ID, your Social Security number, and an initial deposit. Most accounts require a minimum opening deposit that varies by account type — some have no minimum, while others ask for $25 or more.
You can start the process online, by phone at 1-800-480-2265, or at any Huntington branch. Online and phone applications typically take 10 to 15 minutes. If you open in person, bring your ID and be ready to fund the account immediately with cash, a check, or a debit card.
Huntington will run a ChexSystems check, which is a banking history report similar to a credit check. This does not affect your credit score. If you have had problems with a previous bank account — overdrafts, fraud, or unpaid fees — Huntington may decline to open an account or require a higher deposit.
Key Takeaways
- You need a government ID, Social Security number, and an opening deposit to start a Huntington savings account online, by phone, or in branch.
- Huntington offers multiple savings account types with different interest rates and minimum balance requirements, so compare them before you choose.
- Online and phone applications take about 15 minutes; in-branch opens are faster if you have your documents ready.
- Huntington checks your banking history through ChexSystems, which will not affect your credit but may result in account denial if you have recent banking problems.
Huntington savings account types and their features
Huntington's main savings options are the Regular Savings Account, the Premier Savings Account, and the Money Market Account. The Regular Savings Account has no monthly fee and no minimum balance requirement, making it the simplest choice for most people. Interest rates on all Huntington savings accounts change with the market, so the rate you see today may be different in three months.
The Premier Savings Account requires a higher minimum balance — typically $2,500 or more depending on the current offer — and pays a higher interest rate in return. The Money Market Account combines checking and savings features, allows you to write checks, and usually requires the highest minimum balance of the three.
Interest is compounded daily and deposited monthly. This means Huntington calculates interest on your balance every day, but you see the money added to your account once a month. The actual rate you earn depends on how much you have in the account and current market conditions.
Steps to open online
Go to huntington.com and select "Open an Account" or "Savings Accounts." You will be asked to choose which type of account you want. Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Huntington will verify your identity by asking security questions based on your credit history.
Next, you will see the account terms and fee schedule. Read these carefully — they explain monthly fees (if any), minimum balance requirements, and what happens if your balance drops below the minimum. Once you agree, you will be asked to fund the account. You can link a bank account and transfer money, or provide a debit card to fund it immediately.
After you submit, Huntington will send a confirmation email. Your account is usually active within one business day. You can log in to Huntington's online banking portal to see your balance and set up transfers or automatic deposits.
Steps to open by phone or in person
To open by phone, call 1-800-480-2265 during business hours. A representative will walk you through the same questions as the online form: your name, address, Social Security number, and which account type you want. They will verify your identity and explain the account terms. At the end of the call, they will ask how you want to fund the account — by transferring from another bank, mailing a check, or visiting a branch with cash.
To open in person, find your nearest Huntington branch using their branch locator on huntington.com. Bring your government ID, Social Security number, and your opening deposit. The process takes 15 to 30 minutes. The banker will complete the application, run the ChexSystems check, and activate your account on the spot. You will receive a debit card and online banking login information before you leave.
In-person opens are fastest if you want to deposit cash or have questions about which account type fits your needs. Phone and online opens are better if you prefer not to visit a branch or want to complete the process at your own pace.
What happens after your account opens
Once your account is active, you can deposit money through several channels: in-branch deposits, transfers from another bank, direct deposit from your employer, or mobile check deposit through Huntington's app. Your debit card usually arrives within 7 to 10 business days if you opened online or by phone. In-branch opens include a debit card immediately.
You can set up online banking to monitor your balance, transfer money between your Huntington accounts, and pay bills. Huntington also offers mobile banking through their app, which lets you deposit checks by taking a photo and check your balance anytime.
Interest begins accruing the day your account opens, though you will not see it added to your balance until the end of the first month. If your balance falls below the minimum requirement for your account type, Huntington may charge a monthly fee or convert your account to a different type.
Fees and what to watch for
Huntington's Regular Savings Account has no monthly maintenance fee. The Premier Savings Account and Money Market Account may charge a monthly fee if your balance falls below the minimum, though the exact fee and minimum vary by current offer. Check the fee schedule when you open to know what you are responsible for.
Other fees you may encounter include overdraft fees if you link a checking account and overdraw it, wire transfer fees if you send money outside Huntington, and ATM fees if you use an out-of-network ATM. Huntington has no fee for using their own ATMs or for transfers between your own accounts.
If you close your account within 90 days of opening, Huntington may charge an early closure fee. This varies, so ask about it when you open. If you have a negative balance when you close, you will owe that amount before the account can be closed.
Frequently Asked Questions
Can I open a Huntington savings account if I have been denied by another bank?
Huntington uses ChexSystems to review your banking history, not your credit score. If you were denied elsewhere because of overdrafts, fraud, or unpaid fees, Huntington may still deny you or require a higher opening deposit. You can request a free copy of your ChexSystems report at chexsystems.com to see what Huntington will see.
How long does it take to access my money after I open?
Your account is active immediately after you open online or by phone, and you can transfer money in right away. However, transfers from another bank typically take one to three business days to appear in your Huntington account. In-branch opens are active the same day.
What is the interest rate on a Huntington savings account?
Interest rates change with the market and vary by account type and balance. Check huntington.com or call 1-800-480-2265 for the current rate. Rates are typically lower at large banks like Huntington than at online-only banks, but Huntington offers branch access and customer service.
Can I open a savings account for someone else?
No. The account holder must be present (in person or by phone) and provide their own ID and Social Security number. Parents can open a custodial account for a minor, which requires the child's Social Security number and the parent's ID, but this is a separate product from a regular savings account.
What if I want to close my account later?
You can close your Huntington savings account anytime by visiting a branch, calling 1-800-480-2265, or using online banking. You will need to withdraw or transfer your remaining balance. If you close within 90 days, you may be charged an early closure fee depending on the account type.