What you need to open a Huntington savings account
Huntington Bank lets you open a savings account online, by phone, or in person at a branch. You will need a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and an initial deposit. Huntington does not require a minimum opening deposit for most savings accounts, though some accounts may have ongoing balance requirements to avoid monthly fees.
If you are opening an account online, you can complete the entire process from your computer or phone in about 10 minutes. If you go to a branch, bring your ID and be ready to provide your address and phone number. You can fund the account immediately with a debit card, bank transfer, or cash deposit at the branch.
If you do not have a government ID yet, you can still open an account in person at a Huntington branch by bringing alternative documents like a passport card, tribal ID, or military ID. Call your local branch ahead of time to confirm what documents they will accept.
Key Takeaways
- You can open a Huntington savings account online, by phone, or at a branch with just your ID, Social Security number, and an initial deposit.
- Online account opening takes about 10 minutes and requires a valid government-issued ID and a way to fund the account.
- Huntington offers several savings account types with different features, so compare interest rates and fee structures before choosing one.
- Once your account is open, you can set up automatic transfers from checking to savings to build your balance over time.
Huntington savings account types and their features
Huntington offers a few different savings account options. The Huntington Savings Account is the standard option and earns interest on your balance. The Huntington Money Market Account typically offers a higher interest rate but may require a larger minimum balance and limit the number of withdrawals per month. The Huntington High Yield Savings Account (if available in your region) is designed to earn more interest than the standard savings account.
Each account type has different monthly fees, minimum balance requirements, and interest rates. Some accounts waive the monthly maintenance fee if you keep a certain balance or set up direct deposit. Visit Huntington's website or call 1-800-480-2265 to compare current rates and fees for each account type, since these change regularly.
If you are under 18, Huntington offers youth savings accounts with features designed for younger savers, such as parental controls and lower or no monthly fees. Ask about these options when you visit a branch or call.
Opening an account online
Go to Huntington's website and select "Open an Account" or "Savings Account." You will be asked to choose your account type, enter your personal information (name, address, date of birth, Social Security number), and verify your identity. Huntington uses an automated ID verification process that scans your driver's license or passport.
After your identity is verified, you will set up login credentials and choose how to fund your new account. You can transfer money from another bank account, deposit funds using a debit card, or arrange an in-person cash deposit at a branch. Your account will be active within one to two business days, though you may be able to use it immediately for some transactions.
If the online verification process cannot confirm your identity, Huntington will ask you to visit a branch in person or provide additional documents by mail. This typically adds three to five business days to the process.
Opening an account at a Huntington branch
Find your nearest Huntington branch using the branch locator on their website or by calling 1-800-480-2265. Bring your government-issued ID, Social Security number, and your initial deposit (cash, check, or debit card). A Huntington representative will walk you through the account setup, answer questions about account features, and help you fund your account on the spot.
Branch hours vary by location, but most are open Monday through Friday during business hours and some are open on Saturday mornings. If you cannot visit during regular hours, you can call to schedule an appointment or ask about opening an account over the phone with a Huntington representative.
Opening an account in person usually takes 15 to 30 minutes. Your account will be active the same day, and you can begin using your debit card and online banking immediately if you set those up during your visit.
Setting up online and mobile banking
Once your account is open, you can set up online banking and the Huntington mobile app to manage your savings from anywhere. Go to Huntington's website or download the Huntington app from your phone's app store. Log in with the username and password you created when you opened your account.
In online banking and the app, you can check your balance, view transaction history, set up automatic transfers from checking to savings, and turn on account alerts (such as notifications when your balance drops below a certain amount). You can also deposit checks by taking a photo with your phone through mobile check deposit.
Enable two-factor authentication for added security. This means Huntington will send you a code by text or email when you log in from a new device, making it harder for someone else to access your account.
Funding your account and setting up automatic transfers
You can fund your new savings account with a one-time deposit or set up automatic transfers from another account. If you have a Huntington checking account, you can transfer money between your accounts for free through online banking or the mobile app. Set up a recurring transfer (weekly, bi-weekly, or monthly) to move money from checking to savings automatically.
If you are transferring from a bank outside Huntington, use an external transfer through online banking. Huntington will ask for the other bank's routing number and your account number there. Transfers typically take one to three business days to complete, depending on the other bank's processing time.
You can also deposit cash or checks at any Huntington branch, or deposit checks remotely using the mobile app's check deposit feature. There is no fee for deposits, and funds are usually available within one business day.
Fees and how to avoid them
Huntington savings accounts may charge a monthly maintenance fee, typically between $5 and $10, depending on the account type. You can usually avoid this fee by maintaining a minimum balance (often $500 to $1,000) or by setting up direct deposit to your account. Some accounts waive the fee if you keep a linked Huntington checking account open.
Other fees you may encounter include overdraft fees (if you withdraw more than your balance), out-of-network ATM fees (if you use an ATM that is not part of Huntington's network), and wire transfer fees. Read the account's fee schedule before opening to understand all potential charges.
If you are charged a fee you believe was a mistake, contact Huntington customer service at 1-800-480-2265 or visit a branch. Representatives can sometimes reverse a single fee as a courtesy, especially if you have been a customer for a while.
Frequently Asked Questions
Can I open a Huntington savings account if I do not have a Social Security number?
Huntington requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you have an ITIN, you can use that instead. Contact your local branch to confirm what documents you will need to bring.
How long does it take to open an account online?
The online process takes about 10 minutes to complete. Your account will be active within one to two business days, though you may be able to use it for some transactions immediately after opening.
What is the minimum deposit to open a Huntington savings account?
Huntington does not require a minimum opening deposit for most savings accounts. However, some account types may require you to maintain a minimum balance to avoid monthly fees. Check the specific account's terms before opening.
Can I open a joint savings account at Huntington?
Yes, you can open a joint account with another person. Both account holders will need to provide their ID and Social Security number. You can open a joint account online or at a branch.
What happens if I close my Huntington savings account?
You can close your account at any time by visiting a branch, calling 1-800-480-2265, or using online banking. Huntington will send you any remaining balance by check or transfer it to another account you specify. There is no fee to close an account.