Huntington SmartInvest Money Market Account®

Where your money earns more, and means more

At Huntington, we believe money is more than a number. It’s the fuel for your dreams. The SmartInvest Money Market account is built for people who want more than just a place to save. It’s for those who want to live fully now—while planning wisely for what’s next.

Apply NowFeatures and Fees

Great features, thoughtfully crafted

No account fees

When paired with a Huntington SmartInvest Checking® account, there’s no monthly maintenance fee1. That means more of your money stays in motion—supporting your goals, not subtracting from them.

Self-directed investing

As a SmartInvest client with a funded Managed Investment account4 , you can open a new brokerage account through Huntington Financial Advisors® and access unlimited commission-free online trades in equities and ETFs2.

Access your money - without the extra fees

With a SmartInvest Money Market account, you can use any ATM worldwide, and we’ll cover the fees1.

Credit score and identity monitoring

Get identity protection and credit tools that can help customers improve their scores3.

Compare SmartInvest Money Market account rates

We monitor the market daily to offer competitive, relationship-based rates—so your money keeps working as hard as you do.

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Start with SmartInvest Checking

To open a SmartInvest Money Market account, you’ll also need a SmartInvest Checking account. Together, they form a foundation for financial care, guidance, and growth.

Open a SmartInvest Checking accountFeatures and Fees

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What is the SmartInvest Money Market account?

The SmartInvest Money Market account is an exclusive deposit account available only to Huntington SmartInvest Checking customers. It works like a traditional money market account—it's FDIC-insured, has higher interest compared to a savings account, and offers convenient access to cash through transfers, withdrawals, and check-writing privileges.

As mentioned, you must have a Huntington SmartInvest Checking account to be eligible for the SmartInvest Money Market account.

There is no minimum balance required to open a SmartInvest Money Market account, and no minimum balance required to earn interest. Once open, earn interest on your deposits and enjoy unlimited transfers, withdrawals, and free checks.

Yes, SmartInvest Money Market has two interest tiers, rewarding you with better rates as you grow your relationship. The tiers are based on your Total Relationship Balance with Huntington.

Tier 1: Total Relationship Balance is at least $100,000 and up to $1,000,000

Tier 2: Total Relationship Balance is equal to or greater than $1,000,000

To earn interest with SmartInvest accounts, you must maintain a Total Relationship 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 Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and other qualifying accounts on which you are an owner. Eligible investments are those in your name made through Huntington or which AFS reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Accounts established for ERISA plans are not eligible. Investments held in agency and other qualifying accounts with Huntington Private Bank® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.

To open a SmartInvest Money Market account, you must have a SmartInvest Checking account. If you don't have one, you can open a SmartInvest Checking account and a SmartInvest Money Market account at the same time. You also need to provide two forms of documentation to confirm your identity. If you're applying for a joint savings account, you'll need the same information for the other applicant.

Acceptable Forms of IDs for Banks:

  • Driver’s license
  • REAL ID card
  • DoD ID card (also known as Department of Defense ID Card)
  • Passport
  • Social security card

Read more about what’s needed to open a bank account.

Yes. Applying for a savings account online is quick, easy, and secure—it takes about 10 minutes. To apply, keep in mind you'll need access to documentation to confirm your identity.

Apply Online in Five Steps:

Huntington is an FDIC insured bank, which means the money in your savings account is safe up to applicable limits ($250,000).

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DISCLOSURES

1 No Fees. For as long as you qualify for, and maintain, a SmartInvest Checking account.

Non-Huntington ATM Fees. 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.

2 Investments Relationship Discount. Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors®, a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Ameriprise will offer the discounted brokerage services described below to clients that Huntington Bank identifies as being eligible based on criteria established solely by Huntington Bank.

This program offering consists of unlimited commission-free, trades for equities and exchange-traded funds, limited to self-directed orders entered as market orders (as opposed to limit, stop-limit, etc.) through the secure site at ameriprise.com. An order handling fee of $6.00 will still apply to these orders.

Eligible customers must have: 1) a SmartInvest Checking account and 2) an open and funded Managed Investment account with Huntington Private Bank or Huntington Financial Advisors (“HFA”). Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply.

Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

The Huntington National Bank (“Huntington Bank”) offers a full range of wealth management and financial services through dedicated teams of professionals within the Huntington Private Bank® and Huntington Financial Advisors® as follows:

  • Banking solutions, including loans and deposit accounts, are provided by Huntington Bank, Equal Housing Lender and Member FDIC.
  • Trust and investment management services are provided by Huntington Bank, a national bank with fiduciary powers.
  • Certain insurance products are offered by Huntington Insurance, Inc. and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
  • Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors®, a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors® is the trade name of the investment program offered through Huntington Bank. Certain employees of Huntington Bank provide investment advisory, brokerage, and insurance services, offered by and through Ameriprise in their capacity as registered representatives of Ameriprise. Ameriprise is a registered investment adviser and broker-dealer member of FINRA and SIPC. Ameriprise is not affiliated with Huntington Bank, Huntington Insurance, Inc., or Huntington Bancshares Incorporated. Ameriprise and Huntington Bank partner to provide financial planning services and solutions to clients. Huntington Bank is not an investment client of Ameriprise; however, it receives revenue sharing payments from Ameriprise, which creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Huntington Private Bank® is a federally registered service mark of Huntington Bancshares Incorporated.

Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license.

Huntington Bank and Huntington Insurance, Inc. are wholly-owned subsidiaries of Huntington Bancshares Incorporated.

Minimum investment or deposit balance criteria apply with respect to the Huntington Private Bank. Please contact a Huntington Private Bank colleague for more information on eligibility requirements.

3 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.

4A Managed Investment account is an account where a advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying Managed Investment accounts include an investment management account offered through the Huntington Private Bank® or an investment advisory account offered through Huntington Financial Advisors® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Managed Investment accounts are subject to investment minimums and may not be suitable for all investors. Accounts titled as corporate, business, trust and/or ERISA plan are not eligible.