How to close a bank account & checking account

How to switch banks

Step 1: Open your new checking account

Before you close your current bank account, you should first open a new one. Take some time to research which bank you want to use and what kind of account you want to open. Opening a Huntington Checking account online only takes about 10 minutes, so this step can be accomplished quickly.

Not sure which checking account you want? Compare checking accounts.

Step 2: Transfer your deposits and payments

Automated finance options, like direct deposit and recurring bill pay, are helpful and convenient. Before closing your old bank account, you’ll want to make sure there won’t be anything going into or coming out of it—you don’t want to miss a bill or a paycheck. First, take the time to set up direct deposit to your new checking account. Then, update any automatic bill payments with your new account information or debit card number.

You can start setting up other important features, like online banking and automatic transfers to a savings account, and download the Huntington Mobile app. You should also make sure to apply for a debit card and order checks for your checking account.

Now’s a good time to begin moving most of your funds into your new checking account, either by electronic transfer through Online Banking or the Huntington Mobile app, certified check, or cash.

Step 3: Wait a month before closing your old account

When transferring funds into your new account, make sure to leave some funds in your old account for at least a month. This way, if you forgot any automatic payments when you were switching bank accounts, you won’t miss paying a bill. Once you are ready, it's easy to transfer any remaining funds into your Huntington account using the transfer methods mentioned in Step 2.

Step 4: Close your bank account

Once you feel confident that all necessary updates have been made and you’re all set up with your new account, it’s time to close your old bank account. Some banks may allow you to close your bank account online, but a call to your local branch or customer service can help you determine the best process. Usually, banks require you to come into a branch to close your account, and you’ll need to withdraw any remaining funds while you’re in person.

Speak to a banker at the branch and they’ll let you know about any remaining conditions of closing your account and answer any last questions you might have. The Consumer Finance Protection Bureau also recommends that you get a written confirmation that your bank account has been closed.

Congratulations, you’ve successfully switched banks! Make sure you’re familiar with any terms and conditions of your new account, which can help you avoid Overdraft Fees or Monthly Maintenance Fees.