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 government-issued photo ID, your Social Security number, and an initial deposit. The minimum opening deposit varies by account type—some accounts require $25, while others require $100 or more. You can fund the account with a debit card, transfer from another bank, or cash at a branch.
If you do not have a photo ID or Social Security number yet, you can visit a branch in person to discuss other options. Huntington also offers accounts for minors with a parent or guardian present.
The entire process takes about 10 to 15 minutes online or over the phone. If you open in a branch, bring your ID and have your Social Security number ready so the banker can verify your information on the spot.
Key Takeaways
- You need a government photo ID, Social Security number, and an opening deposit to start a Huntington savings account.
- Huntington offers online, phone, and in-branch account opening, with the online process taking about 10 to 15 minutes.
- Minimum opening deposits range from $25 to $100 depending on the specific savings account product you choose.
- You can fund your new account using a debit card, a transfer from another bank, or cash if you open at a branch.
Opening an account online
Go to Huntington's website and select "Open an Account" or "Savings Accounts." You will be asked to choose which type of savings account you want—Huntington offers several, including a basic savings account and accounts with higher interest rates for larger balances. Read the terms for each to see which fits your needs.
Enter your personal information: full name, date of birth, address, phone number, email, and Social Security number. Huntington will run a soft credit check and verify your identity using information from your credit file. This does not affect your credit score. You will then be asked to upload or photograph your government ID—a driver's license, passport, or state ID card.
Choose how you want to fund the account. If you use a debit card, enter the card number and expiration date. If you transfer from another bank, provide the routing number and account number from that bank. The transfer usually takes one to two business days. Once you submit everything, you should receive confirmation within minutes, and your account number will appear in your online banking dashboard.
Opening an account by phone
Call Huntington's customer service line at 1-800-480-2265. A representative will walk you through the account opening process over the phone. Have your ID, Social Security number, and funding method ready. The representative will ask the same questions as the online form and will verify your identity verbally.
If you want to fund the account immediately, provide your debit card number or the routing and account number of the bank you are transferring from. The representative will confirm all details before submitting your application. You should receive your account number by the end of the call or within one business day via email.
Opening an account in person at a branch
Find your nearest Huntington branch using the branch locator on their website. Bring your government photo ID and know your Social Security number. You can also bring cash if you want to make your opening deposit in person. A banker will complete the application with you, verify your identity, and answer any questions about the account features and terms.
In-person opening is useful if you prefer to speak directly with someone, have questions about which account type suits you, or want to deposit cash immediately. The process usually takes 15 to 20 minutes. You will receive your debit card and account information before you leave, though your card may take five to seven business days to arrive by mail if you did not receive it in the branch.
What happens after you open the account
Once your account is open, you can log into Huntington's online banking or mobile app using your username and password. You will see your account number, current balance, and transaction history. Set up direct deposit if you want your paycheck to go straight into the account—your employer will need your account number and Huntington's routing number (1021000021 for most Huntington accounts, though confirm with your bank).
Your debit card will arrive by mail within five to seven business days if you did not receive it in the branch. You can use it to withdraw cash from Huntington ATMs or any ATM in the Allpoint network at no charge. Withdrawals at other ATMs may carry a fee.
Review the account's interest rate and any monthly fees. Huntington's savings accounts earn interest, but the rate varies by account type and balance. Some accounts waive monthly maintenance fees if you maintain a minimum balance or set up direct deposit. Check your account terms or ask a banker which fees apply to your specific account.
Account types and features
Huntington offers several savings account options. A basic savings account typically has a lower minimum opening deposit and earns a standard interest rate. High-yield or premium savings accounts require a higher opening deposit or minimum balance but pay more interest. Some accounts offer tiered interest rates—the more money you keep in the account, the higher the rate you earn.
Money Market Accounts combine features of savings and checking accounts and often pay higher interest if you maintain a larger balance. Certificates of Deposit (CDs) lock your money away for a set period—three months, six months, one year, or longer—and pay a fixed interest rate. You cannot withdraw from a CD early without paying a penalty, so use CDs only for money you will not need soon.
If you are under 18, Huntington offers youth savings accounts with parental controls. A parent or guardian must open the account with you and can set spending limits and monitor activity.
Frequently Asked Questions
Can I open a Huntington savings account if I do not have a Social Security number?
You will need a Social Security number or an Individual Taxpayer Identification Number (ITIN) to open an account. If you do not have either, visit a branch in person to discuss your options with a banker. Some branches may be able to help you with alternative forms of identification.
What is the minimum opening deposit for a Huntington savings account?
The minimum opening deposit varies by account type. Some accounts require as little as $25, while others require $100 or more. Check the specific account terms on Huntington's website or ask a banker which account has the lowest opening deposit.
How long does it take to open a Huntington savings account online?
The online process usually takes 10 to 15 minutes. You will receive your account number immediately after submitting your application. Your debit card will arrive by mail within five to seven business days.
Can I open a joint savings account at Huntington?
Yes. Both account holders will need to provide their ID and Social Security number. You can open a joint account online, by phone, or in person. Each person on the account can access it and make withdrawals.
What interest rate will I earn on my Huntington savings account?
Interest rates vary by account type and change over time. Check Huntington's website or ask a banker for the current rate on the specific account you are opening. Rates are typically higher for accounts with larger minimum balances or for Money Market Accounts and CDs.