
Caregiver Banking
Help safeguard your loved one's finances
We designed Caregiver Banking for anyone who could use a little extra support with their finances, like aging adults, people in recovery, and adults with disabilities—helping you protect your loved ones while preserving their independence1.

Is Caregiver Banking right for you and your loved one?
Only you and your loved one can determine what is best for your circumstances, but we're here to help. Caregiver Banking was created for anyone who could use a little extra help managing their finances. If these examples align to your situation, Caregiver Banking may benefit you:
- An adult daughter needs access to her aging parents' accounts to help ensure their bills are paid on time and to keep an eye out for potential scams
- A person in recovery shares access to his accounts with his brother, allowing his brother to monitor his transactions and help identify relapse-related spending
- The parent of an adult child with a disability needs access to their accounts to look out for accidental transactions and to help ensure their bills are paid on time
Caregiver Management
The account owner can easily suspend or delete their designated caregiver in My Circle within Online Banking or the Huntington Mobile Banking app.
- If the account owner has a pending invitation awaiting action from the caregiver and no longer wishes to proceed, they can cancel the invitation.
- Account owners can also adjust caregiver access to specific accounts. From My Circle in Online Banking and the Huntington Mobile Banking app, account owners can select a caregiver and view, modify or remove their account access.
- Account owners can add up to nine caregivers and customize account access for each caregiver. There is no cost to share accounts.
Only the account owner can manage or change Caregiver access. Caregivers cannot make these changes themselves.
Safeguard their Debit Card with Spending Settings
Once you've been invited as a caregiver, the account owner can add Spending Settings to their Caregiver Banking experience. They receive a new debit card, and you can manage their Spending Settings from your own Online Banking or the Huntington Mobile Banking app.
Extra Protection from Scams
Help Staying on Budget
Supported Independence
What do Spending Settings Cost?
Account Owner Enrollment Steps:
- The account owner must log into their Huntington account through Online Banking or the mobile app.
- Select the My Circle tab and choose Caregiver Banking.
- From the Caregiver Banking page, the account owner will add a trusted individual to be a caregiver:
- Input the caregiver's first and last name, email address, and phone number.
- Select which accounts they'd like to share with the caregiver.
- To complete their portion of the enrollment process, the account owner will need to review and verify that the information entered is correct, read and acknowledge the Terms & Conditions, and then select Submit. After submitting, an email invitation will be sent to the caregiver.
- Optional: To add Spending Settings after enrolling in Caregiver Banking, the caregiver must accept the invitation and the account owner must log into their Huntington account in Online Banking or the mobile app.
- Select My Circle and choose the caregiver they wish to manage their Spending Settings.
- Select Get the Details to begin adding Spending Settings to the desired checking account.
- Select Add Spending Settings, read and acknowledge the Fee Disclosure, review information, and then select Submit.
Invited Caregiver Enrollment Steps:
As an invited caregiver, you will receive an email invitation for Caregiver Banking. The invitation must be accepted within 24 hours. If you, the invited caregiver, do not accept the invitation in time, the account owner can resend the activation instructions using the steps listed above.
- Once you accept the invitation, you will complete a short security step, and sign in with your Huntington credentials if you already have a Huntington account.
- If you aren't a Huntington customer, you'll need to provide your date of birth, social security number, and home address. Then, you will create your new username and password to access the shared account.
- Once completed, the caregiver can find the shared accounts under the My Circle tab in Online Banking or the mobile app.
- If the account owner invites you to manage their debit card Spending Settings, you will see the Spending Settings experience in your Online Banking and mobile app. Select Spending Settings to make the changes you and the account owner have agreed upon.
If you have a specific question about enrollment to Caregiver Banking, give us a call at (800) 480-2265 or visit your neighborhood Huntington branch to speak with a banker.
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DISCLOSURES
1 Caregiver Banking allows a Huntington customer to share limited access to their account(s) with one or more chosen caregiver(s). Caregivers are required by federal law to provide identification and are subject to verification. Access is limited to reviewing transactions, managing Huntington Bill Pay transactions with established Payees, and transferring funds between the customer's selected Huntington accounts. For more information, please see the Caregiver Banking terms and conditions, or contact a branch.
2 There's no cost to use Spending Settings if the account owner has a Huntington Perks Checking®, Huntington Platinum Perks Checking®, SmartInvest®, or Private Client account. For all other account types, there's a $5 monthly fee per account enrolled in Spending Settings charged to the account owner's account. Spending Settings debit cards are available only with select Huntington checking accounts. Eligibility may vary. If the caregiver is managing a joint account with two owners and both have Spending Settings enabled, the maximum monthly charge is $5.