Huntington SmartInvest Money Market® Account

No fees. Great Rates#. Welcome to SmartInvest.

There's only one requirement to open —the SmartInvest Money Market account is an exclusive deposit account available only to Huntington SmartInvest Checking® customers.

Apply Now    See all features & fee information

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.

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.

Plus, your SmartInvest Money Market account has two tiers, rewarding you with better rates as you grow your relationship.

Your rate is based on the 43215 ZIP code.

Rates effective as of Monday, June 24, 2024.

Rate Table
With SmartInvest Checking Tier 1 With SmartInvest Checking Tier 2
Balance
Interest Rate
APY*
Interest Rate
APY*
$0.01 to
$9,999,999.99
4.50%
4.59%
4.75%
4.85%
$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.

See the SmartInvest Checking Personal Account Charges Form

Advisory Satisfaction Promise

Transparent, responsive, and objective. Working with a Huntington advisor is a truly unique experience that places you at the center of everything we do. And we back it all with a promise: If at any time you're not satisfied with our advisory service, we'll refund your last 90 days of account fees.

Contact Us

We're here for you — online, by phone, or in a branch.

Contact Us

Call the Advisory Resource Group
Monday - Friday 9am-6pm ET

Find a Branch

Find your nearest Huntington Branch

# For as long as you qualify for, and maintain, a SmartInvest Checking account.

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 or the Advisory Resource Group at 1-800-530-1690.

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 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 advisor 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 offers 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.

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.