Student checking account options

Smart money moves start here

Money isn’t just something you spend. It’s a skill you can shape. Whether you're starting high school or heading off to college, Huntington offers checking accounts that help you build confidence, independence, and positive financial habits from day one.

If you’re under the age of 18, you must apply for a checking account in person. Bring your co-owner or joint account holder that’s over 18, and open a checking account in minutes.

Choose a checking account that fits your life

Asterisk-Free Checking®

Simple, flexible, and made to grow with you

Asterisk-Free Checking is a great starting point for students. It’s free to open and has no monthly maintenance fee, so you can focus on building good money habits without worrying about extra costs.

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Huntington Perks Checking®

Everyday banking with a little extra

Huntington Perks Checking is an interest-earning checking account that’s loaded with features designed to make your relationship with Huntington even more rewarding.

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Huntington Platinum Perks Checking®

For students (and families) who want more from their money

Huntington Platinum Perks Checking is our higher-tier checking account with a wider range of perks that reward a deeper relationship with Huntington. Because we believe when your financial opportunities grow, your money should work harder to meet them.

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Can a student open a checking account?

Yes—whether you’re a teen in high school or an adult in college, you can open a student checking account.

If you’re under the age of 18, you must apply for a checking account in-person with a co-owner or joint account holder that is over the age of 18. That person doesn’t have to be a legal guardian, just someone you trust. They’ll share responsibility for the account and help you get started with smart money habits. If you’re 18 or older, you can open a checking account online or in-person without a co-owner.

Checking Account Features

Features that help you stay in control

    Custom debit cards

    Make your card your own

    When you open a checking account, you can choose a debit card that reflects your personality—or your school pride. It’s a small way to make your money feel more like yours.

    We offer custom debit card designs featuring Cleveland State University, University of Michigan, University of Minnesota, The Ohio State University, University of Toledo, and Walsh University.

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    Checking accounts for college students

    Checking accounts for Ohio State students

    As the Official Consumer Bank of The Ohio State University®, our relationship with Ohio State runs deep. Buckeye Banking™ at Huntington offers a student-friendly way to begin building financial confidence and independence.

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    Checking accounts for University of Michigan students

    University of Michigan Banking is built on our shared passion for developing leaders and serving people. That’s why we offer student-friendly checking account options designed to support your financial journey.

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    Checking accounts for University of Minnesota students

    Whether you're a Gopher® or a Bulldog® — University of Minnesota Banking at Huntington is designed with students in mind. Enjoy access to student-friendly banking benefits that support your financial journey.

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    Huntington Mobile Banking App

    Mobile banking, made thoughtful

    Manage your money on the go—check balances, pay bills, and transfer funds, all from your phone.

    Google Play StoreApple Store

    Open a checking account in minutes

    A checking account is more than a place to keep your money. It’s a tool for building the life you want, one smart decision at a time.

    If you’re 18 or older, you can open a checking account online or at a Huntington branch. If you’re under 18, you’ll need to visit a branch with your co-owner or joint account holder who’s over 18.

    Either way, make sure you have your chosen forms of identification (your Social Security number, driver’s license, or passport). And if you have questions, our bankers are here to help — with answers, not pressure.

    Apply For A Checking AccountFind a Branch

    Build your financial know-how

    Checking account vs debit card

    While checking accounts and debit cards are often presented by banks as a package deal, it’s important to understand the difference.

    Learn More

    What is a bank statement?

    A bank statement is a document from the bank that covers a specific time period, usually a month, that shows all the activity on your account for a time period.

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    Student Checking FAQs

    Checking accounts allow quick access to your funds on a day-to-day basis, and some checking accounts are interest bearing. Savings accounts have withdrawal limits, are interest bearing, and are typically used for storing money long term.

    It's useful to have both a checking and a savings account in order to keep your money secure, have quick access and save over time.

    Read more about the differences between a checking and savings account.

    Once you’ve selected the checking account you’d like to open, you’ll need to provide documentation to confirm your identity, and depending on the checking account, you may be required to make an initial deposit into the bank account. If you’re under the age of 18, you’ll also need a co-owner or joint account holder that is over the age of 18.

    Acceptable Forms of IDs for Banks:

    • Driver’s license
    • REAL ID card
    • DoD ID card (also known as Department of Defense ID Card)
    • Passport
    • Social security card

    Read more detailed information about what is necessary to open a checking account.

    To open a checking account without a co-owner or joint account holder, you must be 18 years or older and a legal United States resident.

    To find your account number online:

    1. Log into Huntington Online Banking.
    2. Select an account from The Hub.
    3. Click on Account Numbers and More.
    4. The account number should be visible in the pop-up window.

    To find your account number in the mobile app:

    1. Log into the Huntington Mobile App.
    2. Select the account you want to check.
    3. Select the summary tab.
    4. Click on Account Numbers and More.
    5. The account number has been obscured for your security. Click the “show” link to reveal the account number.

    Disclosures

    1Early Pay. You may receive a direct deposit up to two days early with Early Pay if 1) you have a checking account with us, 2) a recurring qualifying direct deposit, and 3) provide us a valid email address. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. We cannot guarantee that you will receive the Early Pay service due to unanticipated circumstances. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (800) 480-2265 and asking to have Early Pay removed. For more information, please see a Consumer Deposit Account agreement, or contact a branch. Learn more at huntington.com/EarlyPay. Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

    2$50 Safety Zone® and 24-Hour Grace®. Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/SafetyZone and huntington.com/Grace.

    3For your protection, you should only send money to those you know and trust, such as family, friends and others such as your personal trainer, babysitter or neighbor. If you don’t know the person or aren’t sure you will get what you paid for, you should not use Zelle® for these types of transactions.

    4Message and data rates may apply.

    5Check Deposit Availability. The first $500 of your total daily check deposits made at a branch, ATM, or through Mobile Deposit may be available to you immediately on the day we receive your deposit. For check deposits made from Saturday through Monday and Federal Holidays, up to $500 in total may be available immediately from all your check deposits over those days. Your remaining check deposit amount(s) will generally be available on the next business day. Subject to eligibility; longer holds and exclusions may apply. Please see your Funds Availability Policy for more detail.

    Huntington is the Official Consumer Bank of The Ohio State University. All trademarks of The Ohio State University used under license. All third-party trademarks belong to their respective owners.

    Buckeye Nation™ and Buckeye Banking™ are trademarks of The Ohio State University and used under license.

    All trademarks of the University of Michigan are used under license.

    Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    Mastercard, and Mastercard Symbols and Brand Marks are registered trademarks of Mastercard International Incorporated. Third-party logos and product, service, business, institution and team names are trademarks and/or service marks of their respective owners.