What you need to open a Huntington savings account
Huntington Bank offers several types of savings accounts, and the process to open one is straightforward. You will need a government-issued photo ID, your Social Security number, and an initial deposit — the amount varies by account type. You can open an account online, on a mobile app, by phone, or in person at a Huntington branch.
The fastest route is usually online or through the mobile app, which takes about 10 to 15 minutes. In-person opens at a branch let you ask questions as you go, which many people prefer if this is your first savings account. Phone opens are also available if you call Huntington's customer service line.
Key Takeaways
- You will need a photo ID, Social Security number, and an opening deposit to start a Huntington savings account.
- Online and mobile app opens are fastest and can be completed in 10 to 15 minutes from home.
- Huntington offers different savings account types with different interest rates and minimum balance requirements, so compare them before you open.
- Once your account is open, you can deposit money through transfers from another bank, direct deposit, or in-person at a branch.
Types of savings accounts Huntington offers
Huntington's main savings account is called the Huntington Savings Account. It earns interest on your balance, though the rate changes based on how much money you keep in the account and current market conditions. There is no monthly fee if you maintain a minimum balance, which varies — check the current requirement when you are ready to open.
Huntington also offers a Money Market Account, which typically earns a higher interest rate than a regular savings account but requires a larger minimum balance. This account also gives you a limited number of withdrawals per month before fees explore.
If you are saving toward a specific goal, ask about Huntington's Goal Savings feature, which lets you create separate savings buckets within your account for different purposes — like an emergency fund, a vacation, or a down payment. This is a tool within an account rather than a separate account type.
Documents and information to have ready
Before you start the opening process, gather these items: a valid government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, and information about your initial deposit. If you are depositing money from another bank account, have that account number and routing number ready.
You will also need to choose a username and password for online banking, so think of something you can remember but others cannot guess. Huntington will ask security questions during setup — these help protect your account if you forget your password later.
If you are opening the account in person, bring these documents with you. If you are opening online or by app, you may need to upload a photo of your ID or answer additional verification questions.
Opening online or through the mobile app
Go to Huntington's website or read the Huntington mobile app from your phone's app store. Look for the option to open a new account — it is usually on the home page or in a menu labeled "Open an Account" or "New Customer."
The app or website will walk you through a series of screens asking for your personal information: name, address, date of birth, Social Security number, and phone number. You will choose which type of account you want and enter your initial deposit amount. At the end, you will set up your online banking username and password.
Huntington will verify your identity using information from credit bureaus and other sources. This usually happens when ready, but in some cases you may need to answer additional questions or provide more information. Once you are verified, your account opens and you can start using it right away.
Opening in person at a branch
Find your nearest Huntington branch using the branch locator on Huntington's website. Bring your photo ID, Social Security number, and your initial deposit (cash or a check). You can also bring a debit card or checkbook from another bank if you want to transfer money from that account.
A Huntington employee will help you fill out the account opening paperwork and answer any questions you have. They can explain the different account types, show you how to use online banking, and help you set up mobile banking on your phone if you want. The whole process usually takes 15 to 30 minutes.
If you do not have a branch nearby, you can still open by phone or online — you do not need to visit a location in person.
Making your first deposit and linking accounts
Your opening deposit can be made several ways. If you opened online or by app, you can transfer money from another bank account using the account and routing numbers. If you opened in person, you can deposit cash or a check right there at the branch.
After your account is open, you can set up direct deposit so your paycheck goes straight into your savings account. You will need to give your employer your Huntington account number and routing number — your employer's payroll department can tell you how to do this.
You can also link your Huntington savings account to another bank account you own, which makes it straightforward to move money between them. This is done through online banking or the mobile app under settings or account management.
Understanding fees and interest rates
Huntington savings accounts do not charge a monthly maintenance fee as long as you meet the minimum balance requirement. If your balance falls below the minimum, you may be charged a monthly fee — the amount depends on the account type. Check the current fee schedule on Huntington's website or ask when you open your account.
The interest rate your account earns changes over time based on what the Federal Reserve does with interest rates. Huntington will tell you the current rate when you open your account, but it may be different a few months later. Higher balances sometimes earn higher rates, so keeping more money in the account can mean more interest earned.
Withdrawals from a savings account are usually free, but some account types limit how many withdrawals you can make per month before a fee applies. Read the account details carefully so you know what to expect.
Frequently Asked Questions
Can I open a Huntington savings account if I do not have a checking account?
Yes. A savings account is separate from a checking account, and you can open one without the other. Many people start with just a savings account and add a checking account later.
How long does it take to open an account online?
Online opens usually take 10 to 15 minutes. Your account may be ready to use when ready, or Huntington may need a few hours to verify your information. In-person opens at a branch take 15 to 30 minutes.
What is the minimum opening deposit at Huntington?
The minimum opening deposit varies by account type and changes over time. Check Huntington's website or call a branch to find out the current minimum for the account you want to open.
Can I open a savings account if I have had banking problems in the past?
Huntington checks your banking history using a system called ChexSystems. If you have unpaid overdrafts or closed accounts in bad standing, you may be denied. Contact Huntington directly to ask about your specific situation.
Do I need to keep a certain amount of money in the account at all times?
Yes. Most Huntington savings accounts require a minimum balance to avoid monthly fees. The amount varies by account type. As long as your balance stays at or above the minimum, you will not be charged a fee.