Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Huntington Relationship Savings account review

Last updated:  

Two ways to avoid the monthly fee and a grace period for overdrafts, but a low 0.08% APY.’s rating: 2.6 / 5.0


The Huntington Relationship Savings account is a step above its standard Premier Savings option with a slightly higher APY and more perks. However, you’ll find better APYs with other banks.

Up to 0.08%


$10 per month



Minimum deposit to open


APY0.08% on balances of $0.01+ with private client account
0.02% on balances of $0.01+
Fee$10 per month
To waive the feemaintain an average daily balance of at least $2,500 or have an active Huntington 5 or 25 account
Minimum deposit to open$2,500
Interest compoundingDaily
Monthly transaction limit6
Fee per transaction over the limit$2
More Info

Expert review

Peter Carleton

Review by

Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.

Expert review

The Huntington Relationship Savings account has an avoidable monthly fee and an accommodating overdraft program to help you avoid fees. But it requires at least $2,500 to open for a 0.08% APY.

Although its rate is above the national average, you’ll find higher APYs elsewhere.

What are the benefits of the Huntington Relationship Savings account?

With interest rates that increase based on how many other Huntington accounts you have, this account is best for current customers, but anyone can take advantage of its perks:

  • Avoidable monthly fee. The monthly fee is waived when you maintain an average daily balance of at least $2,500 or have an active Huntington 5 or 25 account
  • Overdraft perks. Get free overdraft transfers from a linked checking account and a 24-hour grace period to make a deposit to avoid an overdraft fee
  • All Day Deposit. ATM and mobile app deposits are accepted until midnight, unlike other banks that won’t accept them after business hours.
  • Solid customer service. 24/7 customer service ensures you get help when you need it.

What should I look out for?

While this account has its benefits, there are a few things you should watch out for:

  • Low APY. You’ll only earn between 0.02% and 0.08% APY with this account.
  • Limited availability. Huntington accounts are only available to residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania, West Virginia and Wisconsin.
  • Service fees. Watch out for the $10 monthly fee, $25 outgoing domestic transfer fee, $75 outgoing international transfer fee and more.
  • High minimum deposit. You’ll need to deposit at least $2,500 to open this account.
  • Few ATMs and branches. This bank only has about 1,800 ATMs and under 1,000 branches.

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

Compare Huntington Relationship Savings account to other savings accounts

Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned More info
Citibank® Account Package

0.13% on $500,000+
0.08% on $25,000 to $99,999.99
0.04% on $0 to $24,999.99
$25 per month
(can be waived)
Go to site
View details
Earn a $400 bonus after opening new eligible checking and savings accounts and completing required activities.
American Express® Personal Savings High Yield Savings
Go to site
View details
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
CIT Bank Money Market
Go to site
View details
A savings account with a higher-than-average rate and minimal fees.
Chase Savings
$5 per month
(can be waived)
Go to site
View details
A simple savings account with low, waivable monthly fees and a $150 signup bonus when you meet deposit and balance requirements.
Aspiration Spend & Save Account

1.00% on $0 to $10,000 but you’ll need to be enrolled in Aspiration Plus and make at least $1,000 in debit card purchases a month
Go to site
View details
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
CIT Bank Savings Builder High Yield Savings Account

0.55% on $25,000+ or set up a direct deposit of $100+ each month
0.31% on $0 to $24,999
Go to site
View details
No account opening or maintenance fees. Daily compounding interest. Earn one of the nation's top rates

Compare up to 4 providers

How do I apply?

You can open this account online, at a branch or by phone. Here’s how to get started:

  1. Visit the Huntington website, hover over Banking, hover over Savings & CDs, then click Huntington Relationship Savings.
  2. Click Apply Now.
  3. Enter your name and answer the eligibility questions, then click Continue.
  4. Enter your personal information, then click Continue.
  5. Review your information, then click Continue.
  6. Verify your account by phone, then click Continue.
  7. Review all details, personalize your account, then click Continue.
  8. Fund your account and submit your application.


You must meet general requirements to apply:

  • At least 18 years old
  • Valid Social Security or tax identification number
  • US citizen
  • Valid passport or state-issued ID
  • $2,500 minimum deposit

Required information

Gather personal and financial details that include:

  • Name and birthdate
  • Contact information — address, email and phone number
  • Social Security or tax identification number
  • Government-issued ID
  • Employment information

How do I deposit or withdraw money?


  • Branch or ATM
  • Mobile deposit
  • Direct deposit
  • Online, phone or wire transfer
  • Mail a check


  • Branch or ATM
  • Cashback at participating retailers
  • Bill pay
  • Online, phone or wire transfer

How do I contact Huntington customer service?

There are three ways you can get in touch with a representative:

  • Call. Representatives are available 24/7 at 800-480-2265.
  • Live chat. Visit the Huntington website to start a chat.
  • Mail. Visit the contact page to find mailing addresses.

Frequently asked questions

Savings account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top savings accounts and rate them one to five stars based on factors that are most important to you. These factors include: interest rates, monthly fees, minimum deposits, customer service and account features.

Read the full methodology of how we rate savings accounts.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site