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Huntington Relationship Savings account review

Two ways to avoid the monthly fee and a grace period for overdrafts, but a low 0.01% 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 0.01%


$10 per month



Minimum deposit to open


Annual percentage yield (APY)0.01% on balances of $0.01+ non-relationship rate
0.02% on balances of $0.01+ with Huntington checking
0.06% on balances of $0.01+ with private client account
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

More Info


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 0.01% APY.

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

How do I open a Huntington Relationship Savings account?

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

  1. Go to the provider’s site and follow the steps to apply.
  2. From Huntington’s website, hover over Banking, hover over Savings & CDs, then click Huntington Relationship Savings.
  3. Click Apply Now.
  4. Enter your name and answer the eligibility questions, then click Continue.
  5. Enter your personal information, then click Continue.
  6. Review your information, then click Continue.
  7. Verify your account by phone, then click Continue.
  8. Review all details, personalize your account, then click Continue.
  9. 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

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 0.01% 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 Annual percentage yield (APY) Fee Minimum deposit to open
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
$0 per month or $7.99 per month for Aspiration Plus ($5.99 per month if you pay annually)
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC and a $100 bonus when you spend $1,000 in your first 60 days.
Axos Bank High Yield Savings
Finder Rating: 4 / 5: ★★★★★
Axos Bank High Yield Savings
No monthly maintenance fees. No minimum balance requirements. Interest compounded daily.
BlockFi Interest Account
BlockFi Interest Account
Up to 8.25%
Score up to 8.25% APY with this free crypto-interest account. Not available in New York and not FDIC insured.
American Express® High Yield Savings
Finder Rating: 4.6 / 5: ★★★★★
American Express® High Yield Savings
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
Gemini Earn
Gemini Earn
Up to 8.05%
Watch your cryptocurrency earn up to 8.05% APY with this nationwide account. Not FDIC insured.
Nexo Earn
Nexo Earn
Up to 12.00%
This account accrues up to 12% APY on crypto, and interest gets deposited into your account on a daily basis. Not FDIC insured.

Compare up to 4 providers

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.

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