Documents and information you'll need before you walk in

To open a checking or savings account at Huntington Bank, you need a government-issued photo ID, your Social Security number, and an initial deposit. Huntington accepts a driver's license, passport, state ID card, or military ID. The initial deposit amount varies by account type—some accounts require as little as $25, while others may require $100 or more. You can bring a debit card or checkbook from another bank to verify your identity if your photo ID has expired within the last five years.

If you don't have a Social Security number, Huntington will accept an Individual Taxpayer Identification Number (ITIN) instead. Bring the original document or a certified copy—a photo of your ID on your phone is not enough. You'll also need a current mailing address. If you've moved recently and your ID doesn't match your address, bring a utility bill, lease, or recent bank statement showing your current address.

For joint accounts, both account holders must be present with their own photo ID and Social Security number or ITIN. If you're opening an account for someone under 18, a parent or legal guardian must be present with their own ID and the minor's birth certificate or Social Security card.

Key Takeaways

  • Bring a government-issued photo ID, your Social Security number, and proof of your current address to open an account.
  • You'll need to make an initial deposit at the time you open the account, with amounts starting as low as $25 depending on the account type.
  • If you're opening a joint account, both people must be present with their own ID and Social Security number.
  • Huntington accepts ITIN instead of a Social Security number if you don't have one.

Where to open your account—online or in a branch

You can open most Huntington accounts online or in person at a branch. Online applications take about 10 minutes and let you fund the account immediately with a debit card or bank transfer from another account. You won't need to visit a branch unless you want to deposit cash or have questions during the process.

If you open online, Huntington will verify your identity using information from your credit report and may ask you to answer security questions about your financial history. You'll receive your debit card in the mail within 5 to 7 business days. If you need the card faster, you can pick it up at a branch or request expedited shipping for a fee.

Opening in person at a branch takes about 15 to 30 minutes. You'll speak with a banker who can answer questions about account features, help you choose the right account type, and explain fees. You can get your debit card on the spot or have it mailed to you. Branch hours vary by location, so check Huntington's website or call ahead before you go.

Types of accounts and their opening requirements

Huntington offers several account types, and the opening requirements are the same for all of them—photo ID, Social Security number, and initial deposit. The difference is in the minimum deposit amount and monthly fees. A basic checking account may require $25 to open, while a premium checking account might require $100 or more. Savings accounts typically have lower minimums than checking accounts.

Some accounts waive monthly fees if you maintain a minimum balance or set up direct deposit. Others charge a monthly maintenance fee regardless. When you open your account, ask the banker which account type fits your situation and whether any fees can be waived. You can always switch to a different account type later if your needs change.

What happens after you open your account

Once your account is open, you'll receive online and mobile banking access immediately. You can log in to check your balance, transfer money, and pay bills right away. Your debit card will arrive in the mail within 5 to 7 business days if you didn't pick it up at the branch. You can use your account number and routing number to set up direct deposit or automatic bill payments before your card arrives.

Huntington will send you a welcome packet with your account number, routing number, and information about fees and features. Keep this packet in a safe place—you'll need the routing number if you want to transfer money from another bank or set up payroll direct deposit. If you lose it, you can find your routing number online or call Huntington's customer service.

If you don't have a photo ID or Social Security number

If you don't have a government-issued photo ID, Huntington may still open an account for you, but the process takes longer and requires additional steps. You'll need to provide two forms of non-photo ID, such as a utility bill, lease agreement, and bank statement, along with your Social Security number or ITIN. Call your local Huntington branch to ask about their specific requirements—policies can vary by location.

If you're undocumented and don't have a Social Security number, you can use an ITIN to open an account. You'll need your ITIN letter from the IRS, a photo ID from your home country (if available), and proof of your current address. Not all branches may be familiar with this process, so call ahead and ask to speak with a manager who can walk you through it.

Fees and costs to know about

Most Huntington checking and savings accounts charge a monthly maintenance fee, typically between $5 and $15. Many accounts waive this fee if you maintain a minimum balance (often $500 to $1,500) or set up direct deposit. Overdraft fees, ATM fees, and wire transfer fees apply to most accounts. Ask about these costs when you open your account so you understand what you'll pay.

Some accounts offer perks like free checks, no ATM fees, or cash back at any retailer. If you use ATMs frequently or write many checks, these features can save you money. When you open your account, ask the banker to explain all fees and show you which accounts have the lowest costs for your situation.

Frequently Asked Questions

Can I open a Huntington account if I have bad credit?

Yes. Huntington does not run a hard credit check to open a checking or savings account. They may check ChexSystems, a banking history database, to see if you've had problems with previous accounts. If you've been reported to ChexSystems, you can still open an account, but Huntington may ask additional questions or require a larger initial deposit.

What if I don't have a current address?

You'll need a mailing address to open an account. If you're homeless or living temporarily, you can use a shelter address, a friend's address, or a PO box. Bring a letter from the shelter or a utility bill showing that address. Call your local Huntington branch to confirm they'll accept the address you plan to use.

How long does it take to open an account online?

Opening an account online takes about 10 minutes. You'll have access to your account and online banking immediately, but your debit card will arrive in the mail within 5 to 7 business days. If you need the card faster, you can pick it up at a branch or pay for expedited shipping.

Can I open an account for my child?

Yes. You can open a savings account or checking account for a minor with a parent or legal guardian present. Bring the child's birth certificate or Social Security card, your photo ID, and your Social Security number. Some Huntington accounts designed for teens have lower fees and limited overdraft protection.

What if I lose my initial deposit receipt?

Your initial deposit is recorded in your account, so you don't need the receipt. You can see the deposit in your online banking or call Huntington's customer service to confirm it went through. If the deposit didn't post within one business day, contact Huntington immediately.