You can close a Huntington checking account by phone, in person, or online, depending on your account type and what you need to do first

Huntington Bank lets you close a checking account through three routes: calling their customer service line, visiting a branch in person, or using online banking if your account is in good standing. The fastest method is usually a phone call — you can reach Huntington at 1-800-480-2265, and the process takes about 10 minutes. Before you close, you need to handle any outstanding checks, automatic payments, or direct deposits tied to that account, because the bank will not process transactions after closure.

The timing matters. If you have checks still in circulation or bills set to auto-pay from this account, closing it when ready can bounce those payments and damage your credit or relationships with creditors. Most people spend a week or two redirecting payments before they actually request closure. The bank will also ask what you want to do with any remaining balance — they can transfer it to another account you hold with Huntington, send a check, or move it to an external account.

Key Takeaways

  • Call 1-800-480-2265, visit a branch, or use online banking to request closure; phone is usually fastest.
  • Stop all automatic payments and direct deposits at least one week before closing to avoid bounced transactions.
  • Huntington will ask how to handle your remaining balance — transfer to another Huntington account, receive a check, or move to an external bank.
  • The account closes within a few business days after your request, but you should confirm closure in writing or check your online banking to verify.
  • If you have a negative balance or outstanding fees, the bank may hold the account open until those are resolved.

What to do before you call to close

Check your account for any pending transactions. Log into your Huntington online banking or mobile app and look at the last 30 days of activity. If you see recurring charges — subscriptions, gym memberships, insurance payments, utility bills — you need to update those with your new payment method or account number before closing. Huntington will not forward these payments to a new account.

Stop any automatic bill payments you have set up through Huntington's bill pay service. Go to the bill pay section of your online banking, find each payee, and either delete the payment or change it to a different account. Do the same for direct deposits: contact your employer's payroll department or the organization sending the deposit and give them your new account number. This usually takes three to five business days to take effect, so plan ahead.

Order new checks if you still have outstanding ones in circulation. If you wrote checks that have not cleared yet, wait until they do before closing the account. You can check the status in your online banking under recent transactions. If you are unsure whether a check has cleared, contact the recipient and ask, or wait another week.

Closing by phone

Call Huntington's customer service at 1-800-480-2265. You will need your account number and a form of identification ready — they may ask for your Social Security number or date of birth to verify you are the account holder. Tell the representative you want to close your checking account and confirm that you have already stopped automatic payments and direct deposits.

The representative will ask what you want to do with your remaining balance. Your options are: transfer the money to another Huntington account you own (this happens when ready), receive a check in the mail (usually arrives within 5 to 7 business days), or provide an external bank account number for a wire or ACH transfer. If you choose the external transfer, have your routing number and account number ready. The representative will also ask if you want to keep any other accounts with Huntington open — savings accounts, credit cards, or money market accounts will not be affected by closing your checking account.

Ask the representative for a confirmation number and write it down. They should also send you a written confirmation email or letter. Keep this for your records in case there are questions later.

Closing in person at a branch

Visit any Huntington branch with a photo ID and your account number. You can find branch locations and hours on Huntington's website or by calling 1-800-480-2265. Let the teller know you want to close your checking account. They will verify your identity, confirm that you have stopped automatic payments, and ask what to do with your balance.

If you choose to receive your balance as a check, the teller can issue one on the spot. If you want a transfer to another account, they can process it when ready if it is another Huntington account, or they can initiate an external transfer that takes one to two business days. In-person closure is useful if you want to handle the balance right away or if you prefer to speak with someone face-to-face.

Closing through online banking

Some Huntington accounts can be closed through the mobile app or website, though this option is not available for all account types. Log into your Huntington online banking, go to Account Services or Settings, and look for a "Close Account" or "Account Closure" option. If you see it, you can usually complete the closure without calling or visiting a branch.

Not all accounts show this option — if you do not see it after logging in, you will need to call or visit a branch instead. Online closure is fastest if it is available to you, but you should still follow up with a phone call or check your account a few days later to confirm the closure went through.

What happens after you request closure

Huntington will close your account within two to five business days. During this time, the account is still open but flagged for closure, so do not attempt to use the debit card or write checks. Any transactions you submit during this window may be rejected or delayed.

If you chose a check or external transfer for your balance, that will be processed separately. A check usually arrives within 5 to 7 business days. An ACH transfer to an external bank account takes one to two business days. A transfer to another Huntington account is when ready.

After closure, you will no longer see the account in your online banking. If you need to verify that the account is closed, you can call customer service or log in and confirm it no longer appears in your account list. Keep your confirmation number and any written confirmation for at least one year in case you need to reference the closure date for tax or legal purposes.

If your account has a negative balance or holds

If your account is overdrawn or has outstanding fees, Huntington may not allow you to close it until the balance is paid. You will need to deposit money to bring the account to zero or positive before the closure can go through. The representative will tell you the exact amount owed.

If there is a hold on your account — for example, due to fraud investigation or a legal claim — closure may be delayed or impossible until the hold is lifted. The bank will explain the reason for the hold and what you need to do to resolve it. In most cases, you can still close the account once the hold is removed.

Frequently Asked Questions

Can I close my account if I still have a debit card?

Yes. You do not need to return the debit card to close the account, though Huntington recommends destroying it once the account is closed to prevent accidental use. The card will stop working once the account closes, usually within two to five business days.

What if I have a pending direct deposit that has not hit yet?

Contact the organization sending the deposit and provide your new account number before you close. If the deposit arrives after closure, Huntington will return it to the sender, and you will need to contact them to resubmit it to your new account. This is why it is important to update your direct deposit information at least a week before closing.

Will closing my account hurt my credit score?

No. Closing a checking account does not affect your credit score because checking accounts are not reported to credit bureaus. Your credit is only impacted by credit products like loans, credit cards, and payment history on those accounts.

Can I reopen the account after I close it?

Huntington may allow you to reopen a closed account within a certain period, but this depends on how the account was closed and whether there were any issues. Call customer service at 1-800-480-2265 to ask about reopening. If too much time has passed, you will need to open a new account instead.

What if I close my account but still receive mail from Huntington?

You may receive promotional mail or statements for a few weeks after closure. You can ignore these or call customer service to request that your address be removed from their mailing list. If you receive bills or notices about the account after closure, contact Huntington when ready — this could indicate an error or fraudulent activity.