What’s the difference between a checking and savings account?
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
Huntington Perks Checking®
Everyday banking with a little extra
Huntington Platinum Perks Checking®
For students (and families) who want more from their money
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.
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.
Checking accounts for college students
Checking accounts for Ohio State students
Checking accounts for University of Michigan students
Checking accounts for University of Minnesota students
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.
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.
Build your financial know-how
Checking account vs debit card
What is a bank statement?
Student Checking FAQs
What do I need to open a student checking account?
How old do I have to be to open my own checking account?
How can I find my checking 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.