You can close most Huntington accounts online through your digital banking portal, but the process depends on your account type and balance

Huntington Bank lets you close checking and savings accounts through online banking without visiting a branch or calling. The steps are straightforward: log into your account, navigate to account settings, and request closure. The bank will walk you through what happens to any remaining balance and pending transactions.

Not every account type can be closed online. Money market accounts, certificates of deposit (CDs), and some linked accounts may require a phone call or branch visit. If you have an outstanding balance on a linked credit product, you may need to settle that first. The best approach is to log in and look for a "close account" option in your account settings — if it is not there, you will see a message directing you to call or visit.

Key Takeaways

  • Checking and savings accounts can usually be closed through Huntington's online banking portal under account settings.
  • You must have a zero balance or arrange for remaining funds to be transferred before closure is complete.
  • CDs, money market accounts, and accounts with linked credit products may require a phone call to 1-800-480-2265 instead.
  • Pending transactions and automatic payments should be cancelled or transferred before you close the account.
  • Closure typically takes one to three business days after you submit the request online.

What happens to your money when you close

Before Huntington will close your account, any remaining balance must be moved out. You can transfer funds to another bank account you own — either at Huntington or elsewhere — or request a check. If you have direct deposits or automatic payments set up, those will stop working once the account closes, so you need to update them with your new account information first.

If you have pending transactions still processing, the bank will hold the account open until those clear. This usually takes one to three business days. Once everything settles and the balance is zero, the closure is final. Huntington will send you a confirmation email and a final statement showing the account is closed.

Accounts you cannot close online

Certificates of deposit (CDs) have a maturity date, and Huntington does not let you close them through online banking before that date arrives. If you want to close a CD early, you will pay an early withdrawal penalty and need to call customer service at 1-800-480-2265. Money market accounts also typically require a phone call to close.

If your account is linked to a Huntington credit card or line of credit, you may need to settle that credit product first. The online system will tell you if this is the case. Accounts with overdraft protection tied to another Huntington account may also require a call to fully disconnect before closure.

The step-by-step process through online banking

Log into Huntington's online banking portal using your username and password. From your account dashboard, select the account you want to close. Look for a menu option labeled "Account Settings," "Manage Account," or "More Options" — the exact wording varies depending on whether you are using the website or mobile app.

Select "Close Account" or "Request Closure." Huntington will show you the current balance and ask where you want remaining funds sent. Choose either a transfer to another account (you will enter the routing and account number) or a check mailed to your address on file. Review the information, confirm you understand the account will close, and submit the request.

You will receive an when ready confirmation on screen and a follow-up email. The account will remain open for one to three business days while pending transactions clear. Once the balance reaches zero and all transactions settle, the closure is final.

What to do before you close

Cancel or update any automatic payments or recurring charges tied to the account. This includes subscriptions, insurance payments, utility bills, and loan payments. Log into each service and change the payment method, or the payment will fail once the account closes. Direct deposits should also be redirected to your new account at least one pay period before closure.

Review your recent statements to make sure there are no outstanding checks or pending transfers. If you have a debit card linked to the account, it will stop working once closure is complete, so plan accordingly. If you need records of old transactions, read or print your statements before closing — you can still request them after closure, but it is easier to save them beforehand.

If you cannot close online

If the "close account" option does not appear in your online banking settings, call Huntington at 1-800-480-2265. A representative can tell you why the account cannot be closed online and walk you through the alternative process. This usually takes the same amount of time as an online closure, but you will handle it over the phone instead.

You can also visit a Huntington branch in person to close an account. Bring a photo ID and any account statements or information you have. A banker can close the account on the spot and arrange for your remaining balance to be transferred or mailed as a check. Branch closure is useful if you have questions about the process or need to close multiple accounts at once.

What happens after closure

Once your account is closed, you will not be able to log in or access it through online banking. Huntington will keep records of the closed account for your tax and financial records. If you need a copy of old statements or transaction history, you can request them by calling customer service — they can usually provide copies for up to seven years after closure.

If you closed the account because of a problem or complaint, consider whether you want to keep other Huntington accounts open. If you are closing all your accounts with the bank, make sure you have transferred any linked services (like bill pay or account alerts) to your new bank before the final account closes.

Frequently Asked Questions

Can I close my account if I have a negative balance?

No. You must bring the account to zero or positive before closure. If you owe money, contact Huntington to arrange payment. Once the negative balance is paid, you can proceed with closing the account online.

How long does it take for a closed account to stop showing up in online banking?

Usually one to three business days. Once the account fully closes and all transactions clear, it will disappear from your account list. You may see it in your account history for a while longer, but you will not be able to access it.

What if I change my mind after requesting closure?

If you request closure but have not yet submitted the final confirmation, you can cancel the request. If you have already submitted it, call 1-800-480-2265 when ready — Huntington may be able to stop the closure if it has not yet processed, but this depends on timing.

Will closing my account hurt my credit score?

Closing a checking or savings account does not directly affect your credit score. Credit scores are based on credit accounts like credit cards and loans, not deposit accounts. However, if you close an account and then miss a payment on a linked credit product, that will hurt your score.

Can I close a joint account online if the other person does not want to?

Joint account closure typically requires consent from all account holders. If you are the only one requesting closure, Huntington may require both parties to call or visit a branch together. Contact customer service to understand the requirements for your specific account.