What you need to open a Huntington savings account
You can open a Huntington savings account online, by phone, or in person at a branch. The process takes about 10 to 15 minutes. You will need a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and an initial deposit—the minimum varies by account type but is often $25 or less for online accounts.
Huntington offers several savings account types: regular savings accounts, money market accounts, and certificates of deposit (CDs). Each has different interest rates, minimum balance requirements, and withdrawal rules. Before you start, decide which type fits your goal—whether you are saving for an emergency fund, a short-term goal, or a longer-term investment.
If you already have a Huntington checking account, opening a savings account is faster because Huntington already has your information on file. If you are a new customer, the bank will run a soft credit check and verify your identity through ChexSystems, a banking history database. This does not affect your credit score.
Key Takeaways
- You need a valid ID, Social Security number, and an initial deposit to open a Huntington savings account online, by phone, or in a branch.
- Huntington offers regular savings, money market, and CD accounts, each with different rates and minimum balance requirements.
- The bank verifies your identity through ChexSystems and runs a soft credit check, which does not lower your credit score.
- Online accounts typically have lower minimum deposits than in-branch accounts and can be funded immediately with a debit card or bank transfer.
Opening an account online
The online route is the fastest if you have a debit card or access to another bank account. Go to Huntington's website, select the savings account type you want, and fill in your personal information: name, address, date of birth, Social Security number, and employment status. The form takes about 5 minutes.
After you submit your information, Huntington will verify your identity instantly using ChexSystems and other databases. If verification passes, you will see your account number and routing number on screen. You can fund the account immediately with a debit card (Visa, Mastercard, or Discover) or by linking another bank account and transferring money via ACH.
Once your account is open and funded, you can start using it right away. Huntington will mail you a debit card and checks within 7 to 10 business days if you requested them. You can access your account through the Huntington mobile app or online banking portal before the physical card arrives.
Opening an account by phone or in person
If you prefer to speak with someone, call Huntington's customer service at 1-877-480-2265 (the number may vary by region—check your local branch's contact information). A representative will walk you through the account setup, answer questions about account types, and help you choose the right option for your needs.
Opening in person at a branch takes about 15 to 20 minutes. Bring your ID, Social Security number, and your initial deposit (cash or a check). The banker will verify your information, explain the account features, and set up online and mobile banking access before you leave. This route is useful if you want to ask detailed questions or prefer handling money in person.
Whether you call or visit a branch, the bank will still run the same ChexSystems verification and soft credit check. There is no difference in approval odds between channels—the main difference is speed and convenience.
Account types and their features
Huntington's regular savings account is the most basic option. It has a low or no minimum balance requirement, earns interest (the rate changes based on market conditions and your balance tier), and allows unlimited deposits and six withdrawals per month without penalty. This account works well for emergency funds or general savings.
A money market account typically requires a higher minimum balance (often $2,500 or more) but pays a higher interest rate. It also comes with a debit card and checkbook, making it more flexible than a regular savings account. Like savings accounts, money market accounts limit withdrawals to six per month under federal rules.
Certificates of deposit (CDs) lock your money for a set term—typically 3 months, 6 months, 1 year, or 5 years. In exchange, you earn a fixed interest rate that is usually higher than savings or money market rates. If you withdraw before the term ends, you pay an early withdrawal penalty. CDs are best if you know you will not need the money for a specific period.
Funding your account and setting up access
After your account opens, you can fund it in several ways. Online, use a debit card or link another bank account and transfer money via ACH (usually takes 1 to 3 business days). In person or by mail, deposit cash or a check. By phone, a representative can help you arrange a transfer from another bank.
Once your account is funded, set up online and mobile banking. Huntington's website and app let you check your balance, view transactions, transfer money between accounts, and set up automatic transfers. You can also enable alerts for low balances, large deposits, or withdrawals.
If you want to receive direct deposits (like paychecks or government benefits), ask Huntington for your account and routing number. You can provide these to your employer or benefits administrator, and deposits will land in your account automatically on payday.
Interest rates and fees
Huntington's savings account interest rates vary based on your account type, balance tier, and current market conditions. The bank publishes current rates on its website—check there for the exact rate before you open. Rates change periodically, so what you earn today may differ in three months.
Most Huntington savings accounts have no monthly maintenance fee if you meet a minimum balance (often $300 to $500, depending on the account). If your balance drops below the minimum, you may pay a monthly fee of $5 to $10. Some accounts waive the fee if you set up direct deposit or maintain a linked checking account.
Avoid excess withdrawal fees by staying within the six-withdrawal limit per month. If you exceed it, Huntington charges a fee per extra withdrawal. This rule applies to all savings and money market accounts under federal banking regulations.
What happens after you open your account
Your account is active immediately after opening and funding. You can start depositing money, earning interest, and making transfers right away. If you opened online, your debit card will arrive in 7 to 10 business days; if you opened in person, you may receive it on the spot or by mail.
Huntington will send you a welcome packet by mail with your account details, disclosures, and information about online banking. Read the fee schedule and account terms carefully so you understand what triggers charges and how to avoid them.
If you have questions after opening, contact Huntington through its website, mobile app, phone line, or a local branch. Customer service is available 24/7 for account questions and transactions.
Frequently Asked Questions
Do I need a checking account to open a Huntington savings account?
No. You can open a savings account as a standalone product without a checking account. However, if you already have a Huntington checking account, the process is slightly faster because the bank already has your information.
What is the minimum deposit to open a Huntington savings account?
The minimum initial deposit is usually $25 for online accounts and may be higher for in-person or money market accounts. Check Huntington's website or ask a representative for the current minimum for the specific account type you want.
Can I open a Huntington savings account if I have been denied by other banks?
Huntington uses ChexSystems to check your banking history. If you were denied by another bank due to ChexSystems, Huntington may also deny you. However, you can dispute inaccurate information in your ChexSystems report, or contact Huntington directly to discuss your situation.
How long does it take to earn interest on my savings?
Interest accrues daily on your balance but is usually credited monthly. You will see your first interest payment within 30 days of opening the account, depending on when your deposit clears and when the interest cycle closes.
Can I transfer money from another bank into my Huntington savings account?
Yes. Link your other bank account to Huntington and initiate an ACH transfer, which typically takes 1 to 3 business days. Alternatively, you can deposit a check by mail or mobile deposit, or visit a Huntington branch and deposit cash.