Documents and information you'll bring to open an account
To open a Huntington Bank account, you need a government-issued photo ID, your Social Security number, and proof of your current address. Huntington accepts a driver's license, passport, or state ID as photo identification. For address proof, bring a recent utility bill, lease agreement, or bank statement dated within the last 60 days — something with your name and current address printed on it.
You'll also need to decide which type of account you want: a checking account, savings account, or both. Huntington offers different account types with different features and fees, so knowing what you're looking for before you walk in saves time. If you're opening an account online instead of in a branch, you can upload photos of your documents rather than showing originals.
Bring a small amount of money to make your opening deposit. Huntington doesn't require a minimum deposit to open most accounts, but you'll need at least some money to fund the account on the day you open it — even $25 is enough to get your free guide.
Key Takeaways
- You need a government photo ID, your Social Security number, and proof of your address dated within the last 60 days.
- Huntington accepts online and in-branch account openings, and both require the same documents.
- You can open an account with a small deposit — there is no large minimum required for most account types.
- If you don't have a Social Security number, ask a Huntington representative about alternative forms of identification they may accept.
- The whole process usually takes 15 to 30 minutes in a branch or 10 to 20 minutes online.
Opening an account in a Huntington branch
Walk into any Huntington Bank branch with your ID, Social Security number, address proof, and opening deposit. Tell the representative you want to open a new account. They'll ask you questions about how you plan to use the account — whether you need to deposit checks, withdraw cash frequently, or transfer money online — to recommend an account type that fits your situation.
The representative will fill out the account process with you. You'll review the account terms, sign the paperwork, and make your opening deposit. Once that's done, you'll receive a debit card on the spot or within a few business days, depending on the branch. You can start using your account when ready, though the debit card may take time to arrive by mail.
If you're not sure which Huntington branch is closest to you, visit Huntington's website and use their branch locator tool. You can also call ahead to confirm the branch is open and ask whether they're busy, so you can choose a quieter time to come in.
Opening an account online
You can open a Huntington account from home using their website or mobile app. Start by selecting the account type you want, then enter your personal information: name, date of birth, Social Security number, and current address. The system will ask you to create a username and password for online banking.
Next, you'll upload photos of your ID and address proof. Take clear photos of both sides of your ID and make sure the address document shows your full name and current address. The system will verify these documents, which usually takes a few minutes but can take up to 24 hours.
Once your documents are verified, you'll make your opening deposit using a debit card or bank transfer from another account. If you're transferring from another bank, that transfer can take one to three business days to complete. After your deposit clears, your account is active and you can use online banking right away. Your debit card will arrive by mail within 7 to 10 business days.
What happens after you open your account
Once your account is open, you'll receive online banking access when ready. This means you can check your balance, transfer money between accounts, and set up bill pay from your computer or phone. You can also receive a temporary debit card number right away if you opened online, which you can use for online purchases while you wait for your physical card.
Your debit card will arrive by mail. When it does, you'll need to set up it before you can use it at ATMs or stores. Huntington will send instructions with the card, or you can set up it through their mobile app or website.
If you have questions after opening your account, you can call Huntington's customer service, visit a branch, or use the chat feature in their mobile app. Most questions about how to use your account features are answered quickly.
Account types and what they cost
Huntington offers several checking and savings account types. Their basic checking account is designed for everyday use — deposits, withdrawals, bill pay, and transfers. A basic savings account is for money you want to set aside and earn interest on, though the interest rate is usually very small.
Some Huntington accounts have monthly fees, while others don't. Fees vary depending on the account type and whether you meet certain requirements, like keeping a minimum balance or setting up direct deposit. When you open your account, the representative or online system will show you the fee schedule for the account you're choosing, so you'll know exactly what to expect.
If you're not sure which account type fits your situation, ask a Huntington representative. They can explain the differences and help you choose one that won't cost you money in fees you don't need to pay.
If you don't have all the documents
If you don't have a government photo ID, ask a Huntington representative what alternatives they accept. Some branches may accept other forms of identification, though this varies by location. Call ahead to ask what your specific branch can do.
If you don't have a Social Security number, you may still be able to open an account using an Individual Taxpayer Identification Number (ITIN) or other identification. Again, this varies by branch, so call and ask what documents they'll need from you.
If you don't have proof of your current address, a Huntington representative can sometimes use other documents — like a lease agreement without a date, or a letter from a government agency — to verify where you live. Bring whatever address-related documents you have and explain your situation. The representative will let you know if it's enough.
Frequently Asked Questions
Can I open a Huntington account if I'm under 18?
Yes, but you'll need a parent or guardian to open a joint account with you or to co-sign. Bring the same documents you would normally bring, plus the parent or guardian's ID and Social Security number. Some Huntington branches offer accounts specifically designed for teens, which may have different features or fees.
How long does it take to open an account?
In a branch, the process usually takes 15 to 30 minutes from start to finish. Online, it takes 10 to 20 minutes to enter your information and upload documents, though verification can take up to 24 hours. You can use your account as soon as verification is complete.
What if I don't have a current address proof?
Bring whatever address-related documents you have — a lease, utility bill, or letter from a government agency. If the document is older than 60 days, explain your situation to the representative. They may accept it anyway, or they may ask for an additional document to confirm your address.
Can I open multiple accounts at the same time?
Yes. You can open a checking account and a savings account together, or open multiple accounts of the same type if you want to keep money separate for different purposes. Tell the representative when you arrive that you want to open more than one account.
Do I need to have money in the account to keep it open?
No. Once your account is open, you can let it sit with zero balance. However, some account types have monthly fees if your balance drops below a certain amount, so check your account terms. If your account has no monthly fee, you can keep it open with no money in it.