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Huntington Relationship Money Market account review

An interest-bearing account with ATM access — but only on balances of $25,000 or more.’s rating: 1.9 / 5.0


The Huntington Relationship Money Market account earns interest and comes with an ATM card. But transactions are limited and a sizable $25,000 opening deposit is required.

Up to 0.05%


$25 per month



Minimum deposit to open


Annual percentage yield (APY)0.05% on balances of $0.01 to $24,999.99 with private client account
0.06% on balances of $25,000 to $99,999,999,999.99 with private client account
Fee$25 per month
To waive the feeMaintain an average daily balance of $25,000

OR have either a Huntington 5 or Huntington 25 checking account
Minimum deposit to open$25,000
Minimum balance to earn interest$25,000
Interest compoundingMonthly
Monthly transaction limit6
Fee per transaction over the limit$5

Review by

Shannon Terrell is an editor for Finder who has written over 400 personal finance guides. With a focus on investments and personal finance, she breaks down jargon-laden topics to help others make informed financial decisions. She studied communications and English literature at the University of Toronto.

Expert review

The Huntington Relationship Money Market account is best for those who have at least $25,000 in savings.

Although the account offers overdraft protection, you may not need it if you keep the minimum amount needed to open and start earning interest.

How do I open a Huntington Relationship Money Market account?

  1. Go to the provider’s site and follow the steps to apply.
  2. From Huntington’s website, click Open Online.
  3. Enter your full name and email address. Then, review Huntington’s eligibility questions. Click Continue.
  4. Enter your ID information, including your ID number, state of issue and date of issue. Next, enter your residential address, date of birth and Social Security number. Click Continue.
  5. Review your submitted information and make any necessary changes. Then, read through Huntington’s account disclosures and terms and conditions.
  6. Finally, you’ll need to fund your account. Make a deposit of at least $25,000 from an externally linked account to complete the application process. Your debit card will arrive by mail within seven to 10 business days.


Meet the following criteria to maintain eligibility for this account:

  • US citizen
  • At least 18 years old
  • Social Security number
  • Valid driver’s license or state ID
  • Valid bank account
  • Minimum opening deposit of $25,000
  • Resident of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia

Required information

Before you begin the application process, gather the following:

  • Name, date of birth and residential address
  • Contact information
  • Employment details
  • Social Security number
  • Driver’s license or state ID
  • External bank account number and routing number of funding account

What are the benefits of a savings account with Huntington?

Take advantage of mobile check deposit along with the following:

  • 24-hour overdraft grace period. Worried about overdrawing your account? Huntington’s overdraft grace period gives you 24 hours to make a deposit and avoid an overdraft fee.
  • Helps create savings goals. With its Goal Getter feature, you can map out a savings plan for multiple goals and watch your budget.
  • ATM access. This account comes with a debit card for easy access to your funds.
  • What should I look out for?

    This account has several notable shortcomings:

    • Tiered interest. You’ll need at least $25,000 in your account to earn interest, with APYs that top out at 0.05% for those with a Huntington private client relationship.
    • $25,000 opening deposit. Be prepared to deposit a hefty $25,000 to open this account.
    • $25 maintenance fee. It’s possible to have the $25 maintenance fee waived, but you’ll either need a Huntington 5 or Huntington 25 checking account, or minimum account balance of $25,000.
    • Transaction fees. If you make more than six transfers per statement cycle, each subsequent transfer will be charged $5.
    • Limited availability. Huntington accounts are only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania and West Virginia.

    If you prefer a higher-yield account with a lower minimum opening deposit, you’ll want to keep looking. As always, explore your options when looking for a savings account.

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    How do I deposit or withdraw my money?

    There are numerous ways to access funds but be wary of excessive transaction fees.

    • Online deposit. Transfer funds to or from an externally linked account.
    • Mobile check deposit. Using the Huntington mobile banking app, make a mobile check deposit using your smartphone.
    • ATM. Huntington’s ATM network encompasses over 1,800 ATMs across the states it services.
    • Wire transfer. Incoming wire transfers cost $15, while outgoing transfers cost $25.
    • In person. Visit a Huntington branch to make a deposit or withdrawal in person.

    What other savings options does Huntington offer?

    Browse Huntington’s ample suite of savings products:

    • Huntington Premier Savings account. Waive the $4 monthly account fee by maintaining a daily balance of $300 and enjoy overdraft protection and mobile banking. But it’s low 0.02% APY may have you looking elsewhere.
    • Huntington Relationship Savings account. Link an eligible Huntington checking account to this savings product for up just a 0.01% APY. This account has no monthly maintenance fee.
    • CDs. Terms of up to 72 months are available with APYs that range from 0.01% to 0.55%.
    • Business Premier Savings account. Ideal for businesses with less than $10,000 in savings, this account comes with a Huntington Debit Mastercard and offers treasury management and overdraft protection.
    • Business Premier Plus Money Market account. Maintain a daily account balance of $10,000 or more to waive the $10 monthly account fee and capitalize on mobile banking, payroll services and a Huntington Debit Mastercard.
    • Business CDs. Open a business CD to earn interest on your savings with no monthly fees.

    Frequently asked questions

Savings account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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Read the full methodology of how we rate savings accounts.

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