The basic steps to close a Huntington account
You can close a Huntington Bank account by calling their customer service line, visiting a branch in person, or using online banking if the option is available for your account type. The fastest method is usually a phone call to 1-800-480-2265, where you can speak to a representative who will walk you through the process and answer questions about what happens to your remaining balance and any pending transactions.
Before you call or visit, gather your account number and a form of identification. Have a plan for your remaining balance — whether you want it transferred to another bank account or sent as a check. Huntington will not close an account with an outstanding balance owed to them, so if you have overdraft fees or other charges, those must be resolved first.
The closure itself is usually when ready once you confirm the request, but it can take several business days for the account to fully close in their system. During this time, any checks you have written or automatic payments you have set up may still process, so notify anyone you pay regularly that your account is closing.
Key Takeaways
- Call Huntington at 1-800-480-2265 or visit a branch with your account number and ID to start the closure process.
- Decide in advance whether you want your remaining balance transferred to another account or mailed as a check.
- Resolve any outstanding fees or negative balances before closing — Huntington will not close an account with money owed to them.
- Stop or redirect automatic payments and checks before closure, since transactions may still process for several days after you request closure.
- Keep your account open long enough to may support all pending deposits and withdrawals have cleared.
What to do with your remaining balance
If you have money in your account when you close it, you have two main options: transfer it to another bank account or receive a check in the mail. During the closure call, the representative will ask which you prefer. A transfer is faster — the money typically moves within one to three business days — but you need the routing number and account number of the receiving bank ready when you call.
If you choose a check, Huntington will mail it to the address on file. This takes longer, usually five to ten business days depending on mail delivery. If you have moved since opening the account, update your address with Huntington before closing, or the check may go to an old address.
If your account is overdrawn or you owe fees, Huntington will deduct those amounts from your balance before sending you anything. If the fees exceed your balance, you will owe Huntington money even after closure, and they may pursue collection.
Stopping automatic payments and recurring charges
Before your account closes, contact anyone who automatically withdraws money from it — your employer for direct deposit, utility companies, subscription services, insurance providers, or loan servicers. Ask them to update their records with a new account number if you are moving to another bank, or confirm they have received notice that the account is closing.
Similarly, if you have set up automatic bill payments through Huntington's bill pay service, log in and cancel those before closure. Payments scheduled to go out after your account closes will fail, which can result in late fees from the companies you owe.
Check your account statements for the past two months to catch any recurring charges you may have forgotten about — gym memberships, streaming services, or insurance premiums often run quietly in the background. Canceling these before closure prevents failed payments and unwanted charges.
Closing in person versus by phone
Closing by phone is faster if you know what you want to do with your balance and have no complications. The call usually takes 10 to 15 minutes, and you can do it from anywhere during business hours. Huntington's phone line is open Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 1 p.m. Eastern time.
Closing in person at a Huntington branch makes sense if you want to deposit a final check, withdraw cash, or discuss your options face-to-face. Bring your ID and account number. Branch hours vary by location, so check the Huntington website or call ahead to confirm when your nearest branch is open.
If you have a joint account, both account holders may need to be present or consent to closure, depending on how the account is structured. Call ahead to ask what Huntington requires for your specific situation.
What happens to checks and pending transactions
Checks you have written may still clear after you close your account. If a check arrives at the bank after closure, Huntington will attempt to process it against your closed account. If there is no balance, the check will bounce and the person who wrote it will face a returned-check fee. For this reason, wait until you are certain all checks have cleared before closing — typically two to four weeks after you stop writing them.
Pending transactions — deposits that have not yet posted, or charges that are authorized but not yet withdrawn — can also process after closure. If a pending charge comes through after your account closes and there is no balance, it will bounce. Contact the merchant to cancel or redirect any pending charges you know about.
If you are closing because you are switching banks, keep your Huntington account open for at least one full billing cycle after you have moved your direct deposit and automatic payments. This gives you a buffer to catch anything you missed.
Reasons to keep your account open a little longer
Even if you have decided to close your account, there are situations where waiting a week or two is worth it. If you have recently received a large deposit that is still pending, or if you have written checks that have not yet cleared, closing too early can cause problems.
Tax refunds, insurance settlements, or employer reimbursements sometimes take longer to post than expected. If you are waiting for any of these, confirm the deposit has actually hit your account before you close.
If you have a mortgage, car loan, or credit card with Huntington, closing your checking or savings account does not affect those accounts — they remain open unless you close them separately. However, if Huntington has set up automatic payments from your checking account to pay a loan or credit card, you must redirect those payments before closure or they will fail.
What to do if you cannot reach Huntington or have a problem
If you call the main line and wait times are long, try visiting a branch in person instead. You can find branch locations and hours on the Huntington website. If you have a problem during closure — for example, if a check bounces after you close your account, or if a transfer does not arrive — contact Huntington's customer service again and explain the situation.
Keep records of when you requested closure, who you spoke with, and what you asked them to do with your balance. If a dispute arises later, these details help prove you acted in good faith.
If you believe Huntington made an error or treated you unfairly, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) through their website. The CFPB investigates complaints about banks and can sometimes recover money or correct errors on your behalf.
Frequently Asked Questions
Can I close my Huntington account online?
Some Huntington account types allow closure through online banking, but not all. Log into your account and look for a "close account" or "account settings" option. If you do not see it, call 1-800-480-2265 or visit a branch. Online closure is usually available only for basic checking and savings accounts without complications.
What if I have a negative balance when I try to close?
Huntington will not close an account with an outstanding balance owed to them. You must deposit enough money to cover the negative balance plus any fees before closure can proceed. Once the account is in the positive, you can close it and receive the remaining balance.
How long does it take for my account to fully close?
The closure request is usually processed when ready, but it can take three to five business days for the account to fully close in Huntington's system. During this time, pending transactions may still process. Once closed, you will not be able to access the account online or withdraw money from it.
Will closing my account hurt my credit score?
Closing a checking or savings account does not directly affect your credit score because these accounts do not appear on your credit report. However, if you close an account and a check or automatic payment bounces as a result, the resulting fees or missed payments could indirectly affect your credit if they lead to collection activity.
What if I closed my account and now need to access old statements?
Contact Huntington and request copies of your statements. They typically keep records for several years. You may be able to read statements from online banking for a period after closure, or you can call customer service to request them by mail. Keep your own copies of important statements before closing.