Opening a savings account at Huntington Bank takes roughly 10 minutes online, and the minimum to get started is just $50. That low bar is one reason people search for how to do it. But before you click "apply," it helps to know exactly what you are signing up for: the monthly fee, how to avoid it, and the interest rate you can actually expect.
This guide walks through the whole process step by step, with real numbers as of July 2026. We will also point out where a Huntington savings account makes sense and where you might do better elsewhere.
What you need to open the account
Huntington offers savings accounts online in its 13-state footprint, which includes Ohio, Michigan, Indiana, Illinois, Pennsylvania, and several others across the Midwest and South. You can also open one at a branch.
To apply, have these ready:
- A government-issued photo ID (driver's license or passport)
- Your Social Security number
- Your date of birth and current address
- A funding source (an existing bank account, debit card, or cash if you go in person)
You must be at least 18 and a U.S. resident. The application itself is short, and approval is usually instant if your identity verifies cleanly.
Step-by-step: opening a Huntington Premier Savings account
The Premier Savings account is Huntington's entry-level savings option. Here is the flow:
- Go to Huntington's website and select the Premier Savings account.
- Enter your personal details and ID information.
- Review the disclosures, including the fee schedule and rate.
- Fund the account with at least the $50 minimum opening deposit.
- Submit and wait for confirmation, usually the same day.
Once open, you can link the account inside the Huntington mobile app and set up automatic transfers from checking, which is the simplest way to build the balance.
The real fees and how to avoid them
Here is where reading the fine print pays off. The Premier Savings account charges a monthly maintenance fee of up to $4. You can have that fee waived if you keep a $300 minimum balance or hold a qualifying Huntington checking account.
Huntington also offers a Relationship Savings account for people who keep more cash on deposit. It requires a $2,500 minimum opening deposit and charges a $10 monthly fee, waived if you maintain that $2,500 balance or link a qualifying checking account such as Huntington 5, Huntington 25, or Personal Client.
Key facts at a glance
| Feature | Premier Savings | Relationship Savings |
|---|---|---|
| Minimum to open | $50 | $2,500 |
| Monthly fee | Up to $4 | $10 |
| Fee waiver | $300 balance or qualifying checking | $2,500 balance or qualifying checking |
| APY (as of July 2026) | ~0.01%-0.02% | ~0.02%-0.08% |
| FDIC insured | Yes | Yes |
Figures are current as of July 2026 and can change. Always confirm the latest terms on Huntington's site before applying.
What about the interest rate?
This is the part worth being honest about. As of July 2026, the Premier Savings account pays a variable APY of roughly 0.01%, which can rise to about 0.02% if you link a qualifying Huntington checking account. The Relationship Savings account ranges from about 0.02% up to 0.08%.
Those rates are low compared with many online high-yield savings accounts, which have paid substantially more in recent years. If your main goal is convenience and keeping everything under one roof with a checking account, Huntington's savings account does the job. If your main goal is growing your money faster, it is worth comparing the best high-yield savings account rates before you commit.
If you want a higher yield or a fresh start
Huntington is a solid regional bank, but its savings rates are modest. If you are opening a savings account partly to build better money habits, a mobile-first account can make automatic saving easier to stick with. It also helps to understand how savings accounts accrue interest so you can see exactly what a higher rate would earn you.
One option worth a look is Current, a fintech banking platform that pairs a spending account with savings features and early direct deposit. It is designed around a simple app experience, which can help if you tend to forget to move money into savings manually. Terms and conditions apply.
Current Banking
Current Banking
Current is a mobile-first banking app with no monthly fee and no minimum balance. Members can earn up to 4.00% APY with a qualifying direct deposit of $200, receive direct-deposit paychecks up to 2 days early, and overdraft up to $200 fee-free.
Standout feature
4.00% APY on Savings Pods (with a $200+ qualifying direct deposit) plus paycheck up to 2 days early — both included on the standard account for free
Fees
Free
Pros
$0 monthly fee; up to 4.00% APY on Savings Pods with qualifying direct deposit; paycheck up to 2 days early;
Cons
No physical branches
Another popular mobile-first choice is Chime, which offers a savings account with automatic round-up transfers and no monthly maintenance fee. Features like automatic savings can quietly add up over time, especially if a low-rate legacy account has not motivated you to save. As always, review the current terms before opening any account.
Chime
Chime
- Fee-free banking plus early pay access - Overdraft up to $200 without fees - 5% cash back and build credit everyday. - 3.75% APY on your savings.
Standout feature
No credit check, no interest, no annual fee, and no minimum deposit required.
Fees
$0
Pros
Fee-Free Banking and Get paid up to 2 days early
Cons
App/online-only support, no branches
Is Huntington savings right for you?
A Huntington savings account is a reasonable pick if you already bank with Huntington, want branch access in the Midwest or South, and value simplicity over yield. The $50 opening minimum and easy fee waiver make it approachable for most people.
It is a weaker fit if squeezing out the highest interest rate is your priority. In that case, compare the APY against online savings and money market accounts before deciding.
Your next steps
Decide which account fits: Premier Savings for a low entry point, or Relationship Savings if you can park $2,500 and want a slightly better rate. Gather your ID and Social Security number, set aside at least the opening deposit, and complete the online application.
Then set up an automatic monthly transfer from checking so your balance grows without you thinking about it. If the low rate bothers you, compare a high-yield option in the same sitting so you make one clear decision.
Frequently Asked Questions
How much do I need to open a Huntington savings account?
The Premier Savings account requires a $50 minimum opening deposit. The Relationship Savings account requires $2,500 to open. Both amounts are current as of July 2026.
Does Huntington charge a monthly fee on savings accounts?
Yes, but it is avoidable. Premier Savings charges up to $4 per month, waived with a $300 balance or a qualifying checking account. Relationship Savings charges $10, waived with a $2,500 balance or qualifying checking account.
Is my money safe at Huntington Bank?
Huntington is an FDIC-insured bank, so your deposits are protected up to the $250,000 limit per depositor, per ownership category. That coverage applies to savings, checking, and CD balances combined at the bank.
Can I open a Huntington savings account online?
Yes. You can open one online in about 10 minutes if you live in Huntington's service area, or visit a branch. You will need a photo ID, your Social Security number, and a way to fund the opening deposit.
