Huntington SmartInvest Checking℠
An exclusive relationship package for investment advisory customersⱢ, featuring no fees and great rates#.
SmartInvest Checking is much more than our most rewarding checking account. It's a comprehensive relationship banking package, designed to reward your growing investment advisory relationship with Huntington.
To qualify for SmartInvest Checking, you must maintain $100,000 in total relationship balances§ and maintain an Investment Advisory accountⱢ.
Huntington SmartInvest Checking℠
The Features of SmartInvest Checking
You'll get access to great rates every day, no account fees of any kind, and perks like credit score and identity monitoring, plus a dedicated identity restoration specialist‡, and so much more.
No Monthly Fees
No account fees of any kind: monthly maintenance fee, overdraft, wire or money movement fees for as long as you maintain a SmartInvest Checking account.§
No fees of any kind on other consumer deposit accounts owned by SmartInvest Checking account holders.
Exclusive Access to SmartInvest Money Market℠
Grow your money in this unique account where we shop the market for you, pricing the account very competitively based on current market rates.
Grow Your Relationship
SmartInvest Checking is an interest-bearing account, which means your deposits grow over time.
There are two tiers to SmartInvest Checking. Tier 1: you must have at least $100K in total relationship balances. Tier 2: you must have at least $1MM in total relationship balances.§
Credit Score & Identity Monitoring
At no added cost, we include round-the-clock identity monitoring to help safeguard you from fraudulent activity, and credit score monitoring with alerts and insights that can help you improve your score. ‡
Build your investment portfolio with unlimited commission-free, self-directed online equity and/or ETF trades through a new brokerage account with Huntington Financial Advisors,® exclusively for SmartInvest clients with funded investment advisory accounts.Ⱡ
Unlimited ATM Withdrawals and Free Checks
We cover the fees on all non-Huntington ATM withdrawals, so you can access cash when you need it†. Plus, you have unlimited access to free checks.
Safe Deposit Box
Protect what's precious with a free small safe deposit box, or discounted large box.
SmartInvest Checking Account FAQs
When opening a SmartInvest checking account, you'll need to provide two forms of documentation to confirm your identity.
Acceptable Forms of IDs for Banks:
- Driver's license
- REAL ID card
- DoD ID card (also known as Department of Defense ID Card)
- Social security card
- Birth certificate
Keep in mind that within 95 days of opening your SmartInvest Checking account, you'll need to establish an investment advisory relationship with HFA or the Private Bank and deposit at least $100,000 in Total Relationship Balance (TRB) to remain a SmartInvest Checking customer.
Simply put, your Total Relationship Balance is the average daily balance of your deposits, investments, and personal agency accounts through Huntington and our affiliates.
Eligible deposits held directly with The Huntington National Bank or investments made through The Huntington National Bank or our affiliate, The Huntington Investment Company. Eligible deposits are this account and any other checking, money market, savings, certificate of deposit (CD), and individual retirement (IRA) accounts owned by you. Eligible investments are those in your name made through The Huntington National Bank or which The Huntington Investment Company reports to our deposit system for inclusion in the total relationship balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Client Group are eligible. Personal agency accounts within the Trust Group that utilize your social security number are also eligible.
Yes, SmartInvest is our highest interest checking account with two tiers, allowing your deposits to grow over time.
Answer: SmartInvest offers two tiers based off your Total Relationship Balance. Tier 1 requires you to maintain a Total Relationship Balance of $100,000-$999,999 and Tier 2 request a Total Relationship Balance of $1,000,000 or more.
SmartInvest Checking allows you to enroll in credit score monitoring at no added cost.‡
You can expect to receive:
- Monthly VantageScore® that shows you the factors that affect your credit score, including payment history.
- Quarterly Credit Report Snapshot providing you with a shortened version of your credit report.
- Credit Score Simulator that lets you explore how different actions, such as increasing credit card limits or paying off a loan, may impact your credit score.
SmartInvest Checking allows you to enroll in round-the-clock identity monitoring at no added cost.‡
You can expect to receive:
- Credit report monitoring alerting you to key changes in your Experian Credit Report.
- Account monitoring for all your existing Huntington and non-Huntington deposit and credit card accounts, or new accounts opened in your name.
- Alternative Loan Monitoring notifies you of any alternative lending activity associated with your monitored personal info. Alternative lending includes online or storefront activity such as: installment loans, single payment loans, auto loans, rent-to-own, lines of credit, title loans, and credit cards.
- Address monitoring that alerts you to any change of address activity associated with your identity.
- Internet monitoring if your identity on the dark web that notifies you if your information is found online.
- Full-service restoration support from a Certified Identity Risk Management Specialist to help restore your identity.
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Ɫ An Investment Advisory account is an account where a financial advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying investment advisory accounts include an investment management account offered through the Huntington Private Bank® or an investment advisory account offered through the Bank's affiliated registered investment adviser, Huntington Financial Advisors®. Accounts titled as corporate, business, and/or trust are not eligible.
† Non-Huntington ATM. With SmartInvest Checking℠ we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM, as well as any international transaction fees. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM, or other fees charged by the network.
# For as long as you qualify for, and maintain, a SmartInvest Checking account.
‡ Monitoring Services. The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.
Experian Partner Solutions Study, 2022. Huntington Bank Customers that subscribed to Credit Score and ID Monitoring Services between December 2020 and December 2021, with bundles including periodic credit reports, VantageScores, and/or summaries. VantageScore change measured 3, 6, 9, and 12 months post-enrollment.
§ Total Relationship Balance. You must maintain a Total Relationship Deposit Balance of at least $100,000. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank® (Huntington) or eligible investments made through our affiliate, Huntington Financial Advisors® (HFA). Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name made through Huntington or which HFA reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. We figure the Total Relationship Balance each day by adding the qualifying balances (as we determine them) for all of your eligible accounts.
¶ The Home Equity Line of Credit Relationship Discount. The Home Equity Line of Credit Relationship Discount. The "Rate Discount" consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or "PCL"). To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking℠, SmartInvest Checking℠ or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances ("qualifying balances"). Qualifying balances include money that is on deposit in all Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs), and individual retirement accounts (IRAs)), on which you are an owner; and all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors® are also qualified balances, however, annuity accounts opened on or after the HELOC application date are excluded from the HELOC qualifying balances. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for a Rate Discount, you will then also qualify for an Annual Fee Waiver ($60, $50 in MN) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, for as long as you maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period ("Period(s)"), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.
Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to new HELOC customers which are defined as customers without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home's loan-to-value ratio, lien position, owner occupancy status, applicant's credit history, and the amount of the credit line. "Prime" and "Prime Rate" mean the "Bank Prime Loan" rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled "Selected Interest Rates." Use of the word "Prime" does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 8.00% as of March 23, 2023. Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $375 and will apply when closing is facilitated by a third party on Huntington's behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.
≠ Mortgage Relationship Discount. Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking℠, SmartInvest Checking℠, or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances ("qualifying balances"). Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs) on which you are an owner), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors®, are also eligible accounts, however, annuity accounts opened on or after the mortgage loan application date are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington Platinum Perks Checking℠, SmartInvest Checking℠ or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be on deposit at Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and will not include any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.
Ⱡ Investments Relationship Discount. This program is offered through Huntington Financial Advisors® (HFA), which is a federally registered service mark and a trade name under which The Huntington Investment Company® (“HIC”) offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated.
Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated. This program offering consists of unlimited commission- free, online trades for equities and exchange-traded funds, limited to self-directed orders placed through the HFA Wealthscape Investor online platform.
Eligible customers must have: 1) a SmartInvest CheckingSM account, 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform, and 3) an open and funded Investment Advisory account with Huntington Private Bank or HFA. A new HFA brokerage account must be opened, and a signed E-Delivery Agreement must be on file, to be eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please contact the National Advice Center at 1-877-587-8049 or the Advisory Resource Group at 1-800-530-1690.Investment, Insurance and Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE
Huntington Financial Advisors® is a federally registered service mark and a trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission (SEC).
Huntington Private Bank® is a team of professionals dedicated to delivering a full range of wealth and financial services. The team is comprised of Private Bankers, who offer premium banking solutions, Wealth and Investments Management professionals, who provide, among other services, trust and estate administration and portfolio management from The Huntington National Bank, and licensed investment representatives of The Huntington Investment Company, who offer securities and investment advisory services. Huntington Private Bank® is a service mark of Huntington Bancshares Incorporated. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Certain insurance products are offered by Huntington Insurance, Inc., a wholly-owned subsidiary of Huntington Bancshares Incorporated, and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
Huntington SmartInvest Checking℠ and Huntington Platinum Perks Checking℠ are service marks of Huntington Bancshares Incorporated.