You can close most Huntington accounts online through their website or mobile app, but savings accounts and some specialty products require a phone call to customer service.
Huntington Bank does not offer a full online account closure for every account type. Checking accounts can often be closed through your online banking portal or the Huntington mobile app by navigating to account settings, though the exact steps depend on your account features. If you have a savings account, money market account, or certificate of deposit (CD), you will need to call Huntington's customer service at 1-800-480-2265 to close it. Some accounts with linked services—such as investment accounts or credit lines—also require a phone call.
Before you close any account, make sure your balance is zero or arrange a transfer to another bank. Huntington will not close an account with a remaining balance. You should also review any automatic payments or direct deposits tied to that account and redirect them elsewhere first. Closing an account takes effect immediately once confirmed, but any pending transactions may still post afterward.
Key Takeaways
- Checking accounts can usually be closed online through your Huntington account settings, but savings accounts and CDs require a phone call to 1-800-480-2265.
- Your account balance must be zero before Huntington will close it; transfer or withdraw any remaining funds first.
- Stop or redirect any automatic payments, direct deposits, or recurring transfers before you close the account to avoid failed transactions.
- Closing an account is immediate, but pending transactions may still post after closure, so check your account for several days afterward.
Steps to close a checking account online
Log into your Huntington online banking account on their website or open the Huntington mobile app. Navigate to the account you want to close and look for account settings or account management options—this is usually found under a menu labeled "Account" or "Settings." Some accounts display a "Close Account" or "Manage Account" link directly on the account details page.
Click or tap that option and follow the prompts. Huntington will ask you to confirm that your balance is zero and may ask why you are closing the account. Complete the confirmation steps, and the account will be closed. You should receive an email confirmation shortly after. If you do not see a close option in your account settings, your account type may require a phone call instead.
When you must call instead of closing online
Savings accounts, money market accounts, and CDs cannot be closed through online banking at Huntington. Call 1-800-480-2265 during business hours—Huntington's phone lines are typically open Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Have your account number and identification ready.
Tell the representative which account you want to close. They will confirm your balance is zero, ask a few verification questions, and process the closure. The call usually takes five to ten minutes. Ask for a confirmation number before you hang up, and request that they email you a written confirmation of the closure.
What to do before closing your account
Transfer or withdraw all remaining funds. If you are moving money to another bank, you can use an external transfer through your Huntington online banking portal, or you can withdraw cash and deposit it elsewhere. Do not close the account until the balance shows zero in your Huntington account.
Stop or redirect automatic payments and recurring transfers. Check your account for any bills, subscriptions, or payroll deposits linked to this Huntington account. Update those payments to come from a different account at least a few days before you close. If a payment tries to post to a closed account, it will fail and may trigger a late fee or service interruption with the company you owe.
Review your recent transactions and statements. Make sure there are no pending charges or deposits you were not expecting. Some transactions can take several days to post, so if you closed an account and a charge appears days later, it may still go through even though the account is closed—this can result in an overdraft fee.
What happens after you close your account
The account closes immediately once you confirm the closure online or over the phone. Huntington will stop accepting new transactions on that account. However, transactions that were already in process when you closed it may still post for several days. Check your account for at least a week after closure to see if any unexpected charges appear.
Huntington will not reopen a closed account. If you change your mind, you will need to open a new account. Keep any statements or records from the closed account for your records, especially if you need them for tax purposes or to dispute a transaction.
If you have trouble closing your account online
If the close account option does not appear in your online banking settings, your account type may not support online closure. This is most common with savings accounts, CDs, and accounts with special features. Call 1-800-480-2265 and ask a representative to close it over the phone.
If you see an error message when you try to close online, it usually means your balance is not actually zero—even if it appears to be. Pending transactions or holds can make the balance look different than it actually is. Call customer service to confirm the exact balance and have them help you resolve any outstanding items before closure.
Frequently Asked Questions
Will closing my Huntington account hurt my credit?
Closing a checking or savings account does not directly affect your credit score. Credit bureaus do not track deposit accounts, only credit accounts like loans and credit cards. However, if you close an account and a payment fails because of it, that missed payment could eventually hurt your credit if it goes unpaid.
Can I close my account if I have a negative balance?
No. You must bring your account to zero or positive before Huntington will close it. If you have a negative balance, you owe Huntington that amount. Pay it first, either by transferring funds in or by phone, and then close the account.
How long does it take to close a Huntington account?
Closure is immediate once you confirm it online or over the phone. The account stops accepting transactions right away. However, pending transactions may still post for several days, so monitor your account for about a week after closure.
Do I need to visit a branch to close my account?
No. You can close most checking accounts online, and you can close other account types by phone. You do not need to go to a Huntington branch in person, though you may do so if you prefer.
What if I forgot to redirect my direct deposit before closing?
If a direct deposit posts to your closed account, it will be rejected and returned to the sender (usually your employer). Contact your employer's payroll department and provide your new account information so they can resubmit the deposit. This can take a few days to process.