Huntington Customer Care: A Complete, Practical Guide

How to Reach Huntington Customer Care

For most personal and small-business banking needs, the fastest way to reach Huntington is by phone at 800-480-2265. As of 2024, live agents are typically available daily from 7:00 a.m. to 11:00 p.m. Eastern Time, with an automated system available 24/7 for balance inquiries, card controls, and simple transactions. If you use a TTY or other relay service, you can dial 711 to connect via your preferred telecommunications relay provider.

Digital support options include secure messaging through online banking or the Huntington Mobile app, and in-app chat for common requests (card lock/unlock, travel notices, transfers, and dispute initiation). To find a branch or ATM, use the Locations tool on huntington.com and filter by services such as drive-thru, safe deposit boxes, or coin machines. Many branches offer extended hours on Thursdays and limited hours on Saturdays, but hours vary by location.

If you prefer in-person assistance, Huntington’s corporate headquarters is at Huntington Center, 41 S High St, Columbus, OH 43215. Do not send payments or dispute documents to this address; always use the mailing addresses shown on your monthly statement or within online banking for payments, disputes, or loan servicing mail. Huntington National Bank is a Member FDIC and an Equal Housing Lender (NASDAQ: HBAN), founded in 1866.

What Customer Care Can Do for You

Customer Care handles account access and troubleshooting (password resets, 2-step verification, device management), debit and credit card issues (replacement cards, travel notices, merchant disputes), and account changes (adding beneficiaries, updating contact details, or closing an account). For deposits and payments, they can help with direct deposit setup, mobile deposit limits, and ACH questions. For larger transfers, they’ll walk you through wire transfers, cutoff times, and tracking.

Dispute assistance includes card-not-present fraud, duplicate charges, ATM errors, and ACH disputes. Representatives will explain what documentation is needed (receipts, cancellation emails, police reports if applicable) and timelines under Regulation E (debit/ATM/ACH) or Regulation Z (credit card). Mortgage, home equity, and auto loan servicing teams can be reached through the same main number and will assist with payoff requests, payment posting questions, escrow analysis, and insurance claims.

For digital banking features, agents can help you enroll and optimize alerts (e.g., balance thresholds or large transaction alerts), configure contactless payments, and set up Zelle. Huntington’s “Heads Up” and similar alerts tools are particularly useful for overdraft avoidance and card monitoring; ask Customer Care to tailor these to your transaction patterns.

Security, Authentication, and Fraud Help

Expect identity verification every time you call. Have at least two of the following ready: your account or card number, the last four digits of your SSN or ITIN, and answers to security questions. If you’ve enabled a voice password or one-time passcodes, let the agent know. Huntington will never ask for your full online banking password, full debit PIN, or full one-time code; if anyone does, hang up and call 800-480-2265 directly.

If you see suspicious activity, immediately lock your card in the Huntington app and contact Customer Care. For unauthorized electronic transactions, Regulation E generally requires that you report within 60 days of the statement being sent to preserve your rights to reimbursement. Huntington can place a hold, replace your card, and guide you through a fraud affidavit if needed. Keep case numbers, dates, and names of representatives for your records.

For identity theft, file a report at IdentityTheft.gov to generate a recovery plan and documentation. Consider placing a fraud alert or credit freeze with Equifax, Experian, and TransUnion. Customer Care can add extra account notations, update your contact channels, and recommend alert settings to reduce the chance of further misuse.

Fees, Timing, and Limits You Should Know

Wires and large-dollar transfers have cutoff times that determine same-day or next-business-day posting. Domestic wire transfers typically must be initiated before mid- to late-afternoon Eastern Time to go same-day; international wires often have earlier cutoffs due to correspondent bank processing. Ask Customer Care to confirm the exact cutoff that applies to your account and channel (branch vs. online vs. phone).

Mobile deposits are subject to per-item and daily limits that vary by tenure, account type, and relationship. Funds availability follows Regulation CC; many checks receive next-business-day availability, but exceptions apply (e.g., large deposits, new accounts, or suspected fraud). Customer Care can tell you your current mobile deposit limits and expected availability for specific deposit types.

For overdraft questions, ask about current features such as grace periods, fee caps, or “safety zone” thresholds applicable to your account. Policies may change; representatives can review what applies today and how alerts or overdraft protection transfers can help you avoid fees. Always confirm any fees for wire transfers, cashier’s checks, stop payments, or overnight card delivery before authorizing a request.

Escalations and Formal Complaints

Start with the representative assisting you and request a supervisor if your issue is not resolved. Keep detailed notes: date/time, the issue, what was promised, and any deadlines. If documents are needed (e.g., contract, statement, email trail), submit them through the secure message center or as instructed to keep your data protected. Most straightforward issues are resolved within a single interaction or within 1–3 business days if back-office review is needed.

For electronic transaction disputes under Regulation E, banks generally provide provisional credit within 10 business days of your report (20 days for new accounts) and complete investigations within 45 days (90 days for point-of-sale or foreign transactions). For credit card billing disputes under Regulation Z, banks must acknowledge your written dispute within 30 days and resolve it within two billing cycles (but not more than 90 days). Ask the agent to confirm your specific timeline and any required documentation.

If you believe your concern is not being addressed appropriately, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint. Because Huntington National Bank is a national bank, you may also contact the Office of the Comptroller of the Currency (OCC) Customer Assistance Group at 800-613-6743 or via helpwithmybank.gov. Keep copies of all correspondence and resolution letters.

Tips to Get Faster Resolutions

Preparation dramatically shortens call times and reduces back-and-forth. Before you call, write down the core question or outcome you need (e.g., reverse an overdraft fee posted on 08/22, close a dormant savings account, dispute a $217.43 debit on 09/10 at “ABC Retail”). Have your account details and any supporting evidence at hand.

Clarify whether your issue is time-sensitive (e.g., pending wire cutoff, travel starting tomorrow, recurring fraudulent transactions). If you need documents mailed or overnighted, verify your address on file and ask about delivery fees and tracking. If you’re traveling internationally, request travel notices for all impacted cards and ask whether international ATM networks and foreign transaction fees apply to your specific card.

• Have ready: last 4 digits of SSN/ITIN, account or card number, recent transaction dates/amounts, merchant names, and screenshots or receipts.
• Use the app during the call: lock/unlock cards, enable alerts, update contact info, or download statements while the agent verifies the result.
• Ask for the case or ticket number before hanging up; set a calendar reminder for any promised follow-up date.
• For disputes, request the expected investigation timeline, how provisional credits appear, and how you’ll be notified (email, mail, or app).
• If you’re switching direct deposit, ask Customer Care for your account and routing numbers and whether a “trial deposit” verification is required.

Key References and Contacts

The definitive source for current phone numbers, fees, and hours is Huntington’s official site at huntington.com or within the Huntington Mobile app. The main Customer Care phone line is 800-480-2265 (live assistance generally 7:00 a.m.–11:00 p.m. ET; automated service 24/7). For secure documents, use the message center in online banking rather than email.

For branch and ATM availability, use the online Locations tool to search by ZIP code and filter by services. Huntington operates more than 1,000 branches across its Midwestern footprint and thousands of ATMs, including many deposit-enabled terminals. Corporate correspondence (not for payments or disputes) can be addressed to Huntington Center, 41 S High St, Columbus, OH 43215.

• Main Customer Care: 800-480-2265 (daily 7:00 a.m.–11:00 p.m. ET for live agents; 24/7 automated)
• Website and online banking: huntington.com (use secure message center for documents)
• Headquarters: Huntington Center, 41 S High St, Columbus, OH 43215
• Regulatory help: CFPB complaints at consumerfinance.gov/complaint; OCC Customer Assistance Group at 800-613-6743 or helpwithmybank.gov
• Identity theft recovery: IdentityTheft.gov for plans, affidavits, and reporting guidance

How to get $400 dollars from Huntington Bank?

Huntington Bank Perks Checking – $400
Deposit $500 within 90 days: You must make a qualifying direct deposit of $500 or more within 90 days of account opening. Qualifying deposits are regular, periodic payments, such as payroll, pension, or government payments.

Do banks have 24 hour customer service?

Customer service hours vary among banks, with many only offering the ability to speak with a representative during business hours. If you prefer wider access to customer service, you might want a bank that allows you to communicate with a live person anytime.

Is there a class action lawsuit against Huntington Bank?

Filed on behalf of James T. Hoffman as plaintiff, the class action complaint alleges that Huntington failed to file a mortgage satisfaction within 90 days after the mortgage was satisfied, either by pay-off, refinance or sale.

What is the 24 hour line for Huntington Bank?

To speak to a customer service representative, call (800) 480-2265.