Student Checking Accounts

It’s never too early to start building your relationship with money management. At Huntington, we want to empower minors, teens, and adults to bank effectively through tools and accounts that work for their lifestyle.

Minors with an adult, and adults 18 and over can open one of our three checking accounts in minutes.

Can a student open a checking account?

Whether you’re a minor in middle school or high school, or an adult in college, you can open a checking account at Huntington.

Keep in mind that if you’re under the age of 18, you must apply for a checking account in-person with a co-signer or joint account holder that is over the age of 18. The co-signer or joint account holder doesn’t need to be a legal guardian but will be contractually obligated on the account. If you’re 18 or older, you can open a checking account online or in-branch without a co-signer.

How do I open a student checking account?

Apply In-Branch

If you prefer to open your checking account in-person, visit your local Huntington branch during business hours. Make sure you bring your chosen forms of identification (your Social Security Number, driver’s license, or passport) and if you’re under the age of 18, bring your co-signer or joint account holder that’s over 18. If you have any questions, our bankers are more than happy to help answer your questions.

Find a Branch

Apply Online

Opening a checking account online is easy, secure, and can be done in minutes. Once you’ve decided on the checking account you’d like to open, gather your chosen forms of identification (your Social Security Number, driver’s license, or passport) and follow the steps online.

Asterisk-Free Checking®

Our Asterisk-Free Checking account makes managing your money easier than ever. It's free to open and there's no monthly maintenance fees.

Apply Now

Fees & Features

Huntington Perks Checking®

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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Fees & Features

Huntington Platinum Perks Checking®

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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Features & Fees

Checking Account Features

Huntington Checking accounts are loaded with features designed to look out for you and your financial well-being.

Qualify for Standby Cash®

Once you qualify, instantly access between $100 and $500 with our do-it-yourself, digital only line of credit. Eligibility is based primarily on your checking and deposit history, not your credit score. Just pay a 5% cash advance fee when you make a transfer. Pay it back over three months and there's no monthly interest charge when you set up automatic payments. Otherwise, a 1% monthly interest charge (12% APR) applies to the outstanding balances.

$50 Safety Zone® and 24-Hour Grace®

If you accidentally overdraw your account by $50 or less, you won't be charged an overdraft fee thanks to $50 Safety Zone®. And, if you overdraw by more than $50, 24-Hour Grace® gives you more time to make a deposit to avoid an overdraft fee or having a transaction returned##.


With just a few taps, send and receive money using your Huntington account with friends and family¶¶ who have a bank account in the U.S.≠≠

The Hub

The digital tools in The Hub makes it easier to track and analyze your spending, find areas for potential savings, and help you create and reach your financial goals.

Early Pay

If you have a Huntington checking account with direct deposit, you could get paid up to two days early††.

Check Deposit Availability

At no extra cost, you may have instant access to your funds—up to $500—of the checks you've deposited‡‡. Plus, All Day DepositSM is also available.

Custom Debit Cards

When you open a checking account, you have the opportunity to show off your personality and school spirit with a custom debit card.

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

Learn More

Huntington Mobile Banking App

When you open a checking account at Huntington, you'll have free access to our delightfully intuitive mobile app, making managing your money a seamless experience. Quickly and securely check balances, pay bills, and transfer money, no matter where you are.

Learn More

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 here.


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-signer or joint account holder that is over the age of 18.

Acceptable Forms of IDs for Banks:

  1. Driver’s license
  2. REAL ID card
  3. DoD ID card (also known as Department of Defense ID Card)
  4. Passport
  5. Social security card

You can read more detailed information about what is necessary to open a checking account in our article.


To open a checking account without a co-signer 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. The account number is located just below the routing number.
  5. The account number has been obscured for your security. Click the “show” link to reveal the account number.

  Standby Cash is subject to terms and conditions and other account agreements. A cash advance fee equal to 5% of the amount of the cash advance will be collected from your Eligible Deposit Account immediately after the cash advance is deposited in that account. A 1% monthly interest charge (12% Annual Percentage Rate) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active Huntington consumer checking account with at least three months of consistent deposit activity of $1,000 or more, and an average daily balance of $200 or more over the last 30 days. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft fees or have transactions returned or they are waived with our 24-Hour Grace® and $50 Safety Zone® services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90% or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until it’s paid to a zero balance. Business checking accounts are not eligible for Standby Cash.

##$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 and

¶¶ For 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.

≠≠ Must have a bank account in the U.S. to use Zelle®.

†† Early 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 Receive recurring qualifying direct deposits up to two days early at no charge. Some direct deposit types are not eligible.

‡‡ Check 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.

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.

Standby Cash®, 24-Hour Grace®, $50 Safety Zone®, Asterisk-Free Checking®, Huntington Platinum Perks Checking®, and Huntington Perks Checking® are federally registered service marks of Huntington Bancshares Incorporated. All Day Deposit℠ is a service mark of Huntington Bancshares Incorporated. The 24-Hour Grace® system and method is patented. U.S. Pat No. 8,364,581, 8,781,955, 10,475,118, and others pending.