Huntington SmartInvest Money Market® Account
No fees. Great Rates§. Welcome to SmartInvest.
Our SmartInvest Money Market account is part of a relationship package designed to help you grow your personal wealth. There's only one requirement to open —the SmartInvest Money Market account is an exclusive deposit account available only to Huntington SmartInvest Checking® customers.
The Features of SmartInvest Checking and SmartInvest Money Market Accounts
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 Account Fees
Say farewell to monthly fees. When you maintain the account requirements of SmartInvest Checking, you pay no fees on any of your consumer deposit accounts—no monthly maintenance fees, no overdraft fees, no ATM fees†, and no wire transfer or money movement fees.
Investing
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 Managed Investment 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.
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. ‡
Compare SmartInvest Money Market Account Interest Rates
We shop the market for you and price the account very competitively based on where the market is right now.
Your rate is based on the 43215 ZIP code.
Rates effective as of Tuesday, April 29, 2025.
| With SmartInvest Checking Tier 1 | With SmartInvest Checking Tier 2 | ||||
|---|---|---|---|---|---|
|
Balance
|
Interest Rate
|
APY*
|
Interest Rate
|
APY*
|
|
|
$0.01 to
$9,999,999.99 |
3.75%
|
3.82%
|
4.10%
|
4.18%
|
|
|
$10,000,000.00 to
$99,999,999,999.99 |
0.25%
|
0.25%
|
0.25%
|
0.25%
|
|
SMARTINVEST MONEY MARKET HAS TWO TIERS TO WHICH YOUR INTEREST RATE IS TIED. THE INTEREST RATE APPLICABLE TO YOUR SMARTINVEST MONEY MARKET ACCOUNT IS DISPLAYED ABOVE AND BASED ON YOUR SMARTINVEST MONEY MARKET ACCOUNT BALANCE AND THE TIER FOR WHICH YOU QUALIFY. THE TIER QUALIFICATIONS INCLUDE: TIER 1 = $0.01 UP TO $999,999.99 IN SMARTINVEST CHECKING TOTAL RELATIONSHIP BALANCES. TIER 2 = $1,000,000 OR MORE IN SMARTINVEST CHECKING TOTAL RELATIONSHIP BALANCES PLEASE SEE THE SMARTINVEST CHECKING PERSONAL ACCOUNT CHARGES FORM FOR MORE DETAILS ON TOTAL RELATIONSHIP BALANCE. YOU MUST HAVE A SMARTINVEST CHECKING ACCOUNT TO HAVE AND EARN INTEREST ON YOUR SMARTINVEST MONEY MARKET ACCOUNT. MINIMUM OPENING DEPOSIT IS $0.00. MINIMUM BALANCE TO EARN INTEREST IS $.01. *ANNUAL PERCENTAGE YIELD (APY) ACCURATE AS OF EFFECTIVE DATE STATED ABOVE. RATES MAY CHANGE AFTER ACCOUNT IS OPENED AS STATED ABOVE. FEES MAY REDUCE EARNINGS. HUNTINGTON(R) IS A FEDERALLY REGISTERED SERVICE MARK OF HUNTINGTON BANCSHARES INCORPORATED. MEMBER FDIC.
Learn about how to plan your financial journey
SmartInvest Money Market Account FAQs
Answer: 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.
Answer: 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.
Answer: 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
Answer: To earn interest with SmartInvest accounts, you must maintain a Total Relationship Balance of at least $100,000. Eligible deposits and investments for the Total Relationship Balance include eligible deposits held directly with 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. We figure the Total Relationship Balance each day by adding the qualifying balances (as we determine them) for all your eligible accounts.
Answer: 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.
Answer: 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:
- Navigate to the SmartInvest Money Market application.
- Enter your profile information
- Complete your account usage details
- Choose your service
- Review your account opening documents
Answer: Huntington is an FDIC insured bank, which means the money in your savings account is safe up to applicable limits ($250,000).
Contact Us
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Call the National Advice Center
Monday - Friday 9am-6pm ET
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§ No Fees. For as long as you qualify for, and maintain, a SmartInvest Checking account.
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 advisor with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary 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 Checking® 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 Managed Investment 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.
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
Huntington offers a full range of wealth management and financial services through dedicated teams of professionals in the Huntington Private Bank® and Huntington Financial Advisors®, as follows:
- Banking solutions, including loans and deposit accounts, are provided by The Huntington National Bank, Equal Housing Lender and Member FDIC.
- Trust and investment management services are provided by The Huntington National Bank, a national bank with fiduciary powers.
- Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors®.
- Certain insurance products are offered by Huntington Insurance, Inc. and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
Huntington Private Bank® is a federally registered service mark of Huntington Bancshares Incorporated.
Huntington Financial Advisors® is a federally registered service mark and a trade name under which The Huntington Investment Company does business as a registered broker-dealer, member FINRA and SIPC, a registered investment advisor with the U.S. Securities and Exchange Commission (SEC), and a licensed insurance agency.
The Huntington National Bank, The Huntington Investment Company, 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.
† 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.
‡ 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.
Huntington SmartInvest Money Market® and Huntington SmartInvest Checking® are federally registered service marks of Huntington Bancshares Incorporated.