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. 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.

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. 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 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.

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 financial 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 the Bank's affiliated registered investment adviser, Huntington Financial Advisors®. Accounts titled as corporate, business, and/or trust are not eligible.