Deciding where to invest your money is a very important decision. That’s why many people look to trusted financial institutions like Huntington Bank. Huntington investment options are designed to fit a wide range of needs, from building long-term wealth to protecting what you’ve earned.
With over a century of experience, this bank offers personalized guidance through its team of skilled advisors and private banking professionals. In this review, we’ll take a closer look at what makes Huntington a solid choice for investors.
About Huntington Background & Trust
Huntington Bancshares Inc. is a well-established financial company based in Columbus, Ohio. It has been around since 1866 and is publicly traded on the Nasdaq under the symbol HBAN. Today, it holds more than $187 billion in assets and operates nearly 1,000 branches across 11 states in the Midwest and South, including Ohio, Michigan, Pennsylvania, and Illinois. With a strong presence in local communities, Huntington is known for combining personal customer service with modern digital tools.
The bank serves millions of customers and has earned a reputation for being dependable and easy to work with. Whether you prefer walking into a branch or handling your finances online, Huntington makes both options available and convenient.
When it comes to investing, this bank offers services through three main divisions:
- Huntington Investment Company: A registered broker-dealer that lets you trade stocks, bonds, mutual funds, and more.
- Huntington Financial Advisors: A team of licensed professionals who help you plan and manage your investments, especially for retirement or long-term goals.
- Huntington Private Bank: Designed for high-net-worth individuals who need personalized wealth management, estate planning, and trust services.
Together, these divisions create a full-service investment platform that covers everything from simple brokerage accounts to complex financial planning. What makes Huntington investment options stand out is their commitment to each client’s unique financial journey. Every investor gets access to professional guidance, flexible products, and clear explanations, so you always know where your money is going and why.
Now, let’s take a closer look at the core investment services that Huntington Investment Banking offers for both new and experienced investors.
What Huntington Investment Options Are Offered?
Huntington offers a wide variety of investment products to suit different goals and risk levels. Here’s what you can invest in with this bank:
- Stocks and Exchange-Traded Funds (ETFs): Buy shares in individual companies or invest in entire sectors with ETFs.
- Mutual Funds: Diversified funds managed by professionals that include a mix of stocks, bonds, or both.
- Annuities: Choose from fixed, indexed, or variable annuities to secure income during retirement.
- Bonds: Options include both taxable and tax-free bonds, offering steady interest income with lower risk.
- Structured Notes: Investment products linked to the performance of market indexes, offering potential growth with risk control features.
- Individual Retirement Accounts (IRAs): Both Traditional and Roth IRAs help you save for retirement with tax advantages.
- 529 College Savings Plans: Save for your child’s education in a tax-advantaged account.
- Managed Investment Accounts: Let professional advisors build and manage your portfolio for a fee.
- Core Sweep Accounts: Keep uninvested cash in a separate account that may earn interest until you’re ready to invest.
This broad lineup of Huntington investment options allows you to create a portfolio that fits your lifestyle. Whether you’re focused on growth, generating income, or preserving wealth, Huntington has tools to help you reach your goals.
Who Manages Your Money?
Huntington also gives you the flexibility to choose how your money is managed, depending on your level of experience and how involved you want to be.
Types of Huntington Investment Accounts
The bank offers a variety of investment accounts designed to fit different needs, whether you’re investing on your own, growing long-term wealth, or looking for expert advice along the way.
- Brokerage Accounts: If you like making your own investment decisions, you can use Huntington’s online brokerage platform to buy and sell Huntington investment options like stocks, ETFs, and other securities on your own. It’s a good option for confident investors who want control and lower fees.
- Managed Investment Accounts: For people who want a hands-off approach, Huntington offers professionally managed formats such as Separately Managed Accounts (SMAs) and Unified Managed Accounts (UMAs), available through Huntington Financial Advisors. You’ll still share your goals and preferences, but a team of experts will do the day-to-day investing and rebalancing for you. This choice includes ongoing portfolio reviews and market monitoring, so your investments stay aligned with your objectives.
- Trust and Fiduciary Accounts: For long-term planning, Huntington Private Bank offers trust and fiduciary accounts. These Huntington investment accounts help you manage wealth across generations, plan for taxes, and ensure that your estate is passed on according to your wishes. Huntington serves as both trustee and financial partner.
- Retirement Accounts (IRAs and Annuities): Huntington offers Traditional and Roth IRAs to help you save for retirement with tax advantages. They also offer annuities (fixed, indexed, or variable) that provide steady income during retirement. These can be part of a managed plan or held independently.
- SmartInvest Bundle: The SmartInvest program combines checking, savings, and investment services. It’s one of the more advanced Huntington investment options for those with higher balances (typically $100,000 or more).
No matter which path you choose, Huntington focuses on creating customized portfolios. They assess your risk comfort, time horizon, and financial priorities to ensure your money works for you.
Huntington Financial Advisors
Whether you’re new to investing or managing a complex portfolio, Huntington investment advisors are here to guide you through Huntington investment options that make sense for your life and goals.
Huntington’s advisory division, officially known as Huntington Financial Advisors, manages over $6.3 billion in assets and includes about 351 advisors operating across 53 states and jurisdictions. These advisors are licensed professionals trained to help clients build and maintain personalized financial plans.
What Makes Their Approach Unique:
- You Come First: Advisors focus entirely on your goals, not sales targets. They pay attention and comprehend what you are saying.
- Tailored Plans: Every plan is custom-built based on your unique financial situation. There’s no cookie-cutter advice here.
- Transparency: You’ll always understand how your investments are managed, what Huntington Bank investment fees you’re paying, and what risks are involved.
- Team Support: While you have a dedicated advisor, you’ll also benefit from a full network of specialists in banking, lending, and insurance.
Importantly, Huntington does not offer its own mutual funds. That means your advisor’s recommendations are not driven by internal products, they’re based solely on what’s best for you.
Huntington does promote its Advisory Satisfaction Promise, which aims to deliver honest and objective guidance. Still, it’s always wise to ask clear questions about fees, potential conflicts of interest, and each advisor’s track record before committing to a long-term financial relationship. Doing your due diligence can help ensure you’re getting advice that’s right for you.
Fees of Huntington Investment Options
When it comes to investing, understanding the cost is important. Huntington is fairly transparent about its pricing, though fees may vary depending on the type of investment or service you choose.
Here’s a closer look at the fees charged for Huntington investment options:
| Fee Type | Details | Notes |
|---|---|---|
| Stock & ETF Trades | $0 commission (for self-directed trades with SmartInvest Checking) | Commission-free only if linked to SmartInvest account |
| Mutual Fund Fees | Varies by fund; includes management fees and fund expense ratios | Charged by the fund provider; review fund documents for details |
| Annuity Fees | Includes insurance charges, contract fees, and fund management fees | Fees vary by type: fixed, indexed, or variable annuity |
| Managed Account Fee | Around 1% or less per year (percentage of assets under management – AUM) | Covers portfolio management, planning, and advisor access |
| Sweep Account Fee | No direct fee, but not FDIC-insured and returns may vary based on market rates | Typically used for uninvested cash; yields may fluctuate |
| SmartInvest Minimum | $100,000 in combined balances (checking, savings, investments) to unlock SmartInvest perks | Needed to access premium features like no commissions and ATM fee waivers |
| Private Bank Minimum | Typically mid-six figures in total assets required | Offers tailored wealth management and estate planning services |
Overall, Huntington’s pricing structure is competitive, especially if you qualify for the SmartInvest program. However, exact Huntington Bank investment fees may vary depending on the product type and investment amount. Just make sure to read the fine print on investment products before committing so you know what you’re paying for.
Huntington SmartInvest Checking and Brokerage
If you’re looking for a simple way to manage both your day-to-day banking and your long-term investments, Huntington Bank SmartInvest account ties directly into many core Huntington investment options.
This account combines the benefits of a premium checking account with access to Huntington investment options and tools. Here’s what you get:
- No monthly maintenance fee, as long as you meet the balance requirements.
- Free ATM withdrawals, even at non-Huntington ATMs, with fee reimbursements included.
- Commission-free stock and ETF trades when linked with a Huntington brokerage account.
- Automatic connection to the SmartInvest Money Market Account, which offers a higher interest rate than traditional savings accounts.
- Free credit monitoring and identity protection services, which add an extra layer of financial security.
To qualify, you’ll need to keep at least $100,000 in total combined balances across your Huntington checking, savings, and investment accounts. That may seem high, but if you’re already saving for retirement or building a strong emergency fund, you might meet the requirement without even realizing it.
This all-in-one setup is great for people who prefer convenience and integration. Instead of managing separate platforms for your checking and investments, SmartInvest brings everything under one roof. It also gives you access to a dedicated team and premium tools that can make managing your money easier.
Whether you’re an experienced investor or just getting started, SmartInvest helps you stay organized and in control, while maximizing the benefits of your Huntington relationship.
Huntington Life and Income Planning Services
From retirement to college savings and estate planning, Huntington investment options extend far beyond simple accounts. These services are personalized to help you navigate major financial milestones with clarity and confidence.
Huntington helps you plan for:
- Retirement: Whether you want to retire early or keep working part-time, they’ll help you figure out how much to save and where to invest.
- Education: Set up tax-advantaged 529 college savings plans for your children or grandchildren.
- Family and estate planning: Create a plan for how your wealth will be managed and passed on to loved ones.
- Income strategies: Make sure you have enough income during retirement or other life transitions.
- Windfalls or inheritances: Get advice on how to manage large, unexpected sums of money wisely.
- Charitable giving and legacy goals: Support causes you care about while maximizing tax benefits.
It all begins with an in-depth conversation. Your advisor will assess where you are today, help you understand your risk tolerance, and identify your short- and long-term goals. From there, they’ll design a customized strategy and walk you through each step, so you always feel in control of your finances.
Huntington Risk Management Strategies
Protection is a key part of any investment strategy, and Huntington investment options include risk management services such as insurance and liability coverage. Insurance products available include:
For Individuals and Families:
- Life Insurance
- Disability Insurance
- Long-Term Care Insurance
- Health and Personal Umbrella Insurance
- Home, Auto, and Rental Insurance
- Residential Title Insurance
For Businesses:
- Professional Liability Insurance
- Commercial Property & Casualty Coverage
- Employee Benefit Insurance Solutions
Huntington Insurance, Inc. works with third-party providers to deliver comprehensive coverage tailored to your lifestyle and financial plan.
Huntington Private Bank & Managed Portfolios
For high-net-worth clients, Huntington offers a Private Bank service with elevated investment strategies. The division is focused on helping affluent individuals and families manage, preserve, and grow their wealth across generations.
These Huntington investment options are tailored for complex needs like estate planning, tax strategy, and philanthropy. They include:
- Investment and Fiduciary Services: Professionally managed portfolios, trust management, and estate oversight.
- Customized Lending Solutions: Flexible credit options like lines of credit, jumbo mortgages, or tailored lending strategies.
- Charitable Giving and Philanthropy: Strategies to support the causes you care about while optimizing your tax impact.
- Business Succession Planning: Help ensure your company transitions smoothly when you retire or step away.
- Estate and Legacy Planning: Create a plan for passing your wealth to loved ones or beneficiaries efficiently.
Huntington Investment Digital Tools & Customer Service
Managing your investments should be easy, no matter how busy your life is. Huntington offers a range of digital tools and support services that allow you to explore, monitor, and manage your Huntington investment options anywhere, anytime. These tools and features include:
- The Huntington Hub: To make things easier, the bank provides a digital dashboard called “The Hub,” where you can view all your accounts in one place. It includes goal tracking, budgeting tools, and performance updates to help you stay on top of your finances.
- Online Advisor Matching Tool: Answer a few questions and get matched with an advisor who suits your goals and personality.
- Secure Client Portal: Track investment performance, review documents, and access your financial plan anytime, anywhere.
- Market News and Updates: Stay informed with resources and insights from Huntington Private Bank’s economic team.
- National Advice Center: Have a question? Call Huntington investment customer service at 877-587-8049 for personalized support from financial professionals.
- You can meet with your advisor in person at a local branch, by phone, or virtually, whichever option works best for your schedule.
Regulatory Oversight of Huntington Investment Options
Your finances deserve to be handled with care and with integrity. Huntington investment options and services are fully regulated and supported by respected national organizations. This ensures that your money is being managed responsibly and transparently.
Here’s how Huntington protects your trust:
- Member of FINRA and SIPC: Ensures fair practices and investor protection in case of firm failure.
- Registered with the SEC: Complies with all federal investment regulations.
- Licensed Insurance Agency: Meets all state-level insurance requirements.
- Fiduciary Services through Huntington National Bank: Legally obligated to act in your best interest.
You can look up Huntington advisors using FINRA’s BrokerCheck, a public tool that helps you verify the qualifications and records of investment professionals.
Who Should Use Huntington Investment Options?
Huntington investment options and services are best suited for individuals who value personalized support, trusted financial advice, and integrated banking and investing. Here’s who may benefit the most:
- Individuals with $100,000 or more in investable assets
If you have a moderate to high net worth, Huntington offers access to its premium SmartInvest program and even Private Bank services. These tiers provide advanced planning tools, fee waivers, and access to experienced financial advisors. - Clients who prefer in-person service and local branch access
Huntington has a strong branch presence in the Midwest and South. If you like speaking with someone face-to-face and having an advisor nearby, Huntington gives you that convenience. Many branches offer dedicated investment advisors right on site. - People who want all their financial needs handled in one place
If you prefer to keep your banking, saving, investing, and borrowing under one roof, Huntington makes that possible. With linked accounts, shared tools, and centralized dashboards, managing your money becomes simpler and more efficient.
Whether you’re growing your assets or protecting your legacy, Huntington offers flexible solutions that evolve with your needs:
| Investor Type | Best Fit Huntington Investment Options |
|---|---|
| First-time investors | IRAs, ETFs, 529 Plans, Mutual Funds |
| Mid-career professionals | Annuities, Retirement Plans, Risk Insurance |
| High-net-worth individuals | Private Bank Services, Custom Portfolios, Trusts |
| Business owners | Employee Insurance, Succession Planning, Asset Protection |
| Retirees | Income Planning, Long-Term Care, Estate Planning |
Conversely, you should stick with online brokers/banks if you’re fee-conscious, mobile-first, or outside Huntington’s footprint.
How to Get Started with Huntington Investment Options
Getting started with Huntington investment options is simple, whether you’re already a Huntington customer or just exploring your options for the first time. You don’t need to have everything figured out. That’s what the advisors are here for, to guide you step by step and help you create a personalized financial plan from the ground up.
If You’re an Existing Huntington Customer:
You already have access to Huntington’s network of financial experts.
- Log into your online banking account.
- Click on the “Find an Advisor” tool.
- Answer a few short questions to get matched with a financial advisor who fits your goals.
- Schedule your consultation. You can meet online, by phone, or at a branch near you.
If You’re New to Huntington:
No account? No problem. There are easy ways to connect.
- Call the National Advice Center at 877-587-8049 to speak with a real person who can answer your questions.
- Visit a Huntington branch in your neighborhood for in-person assistance.
- Explore the Huntington investment services page on Huntington.com to learn more at your own pace.
There’s no pressure to have a detailed investment strategy from day one. Huntington’s advisors are trained to help you understand your options, explain products clearly, and build a plan that fits your life, whether you’re saving for retirement, starting a family, or planning your legacy.
FAQs About Huntington Investment Options
Are Huntington investment products FDIC insured?
- No. Investment products are not FDIC insured, not guaranteed by the bank, and may lose value.
How do I find a Huntington Financial Advisor?
- You can use the advisor matching tool on Huntington’s website or call the National Advice Center at 877-587-8049.
What’s the minimum to open a Private Bank account?
- Minimum investment or deposit balances apply. Contact Huntington Private Bank for eligibility details.
Can I manage my Huntington Bank investment accounts online?
- Yes, Huntington provides an online portal where clients can view performance, track goals, and stay in touch with their advisor.
What if I’m not satisfied with my Huntington advisor?
- You may be eligible for a refund of up to 90 days of advisory fees under the Advisory Satisfaction Promise.
In summary, Huntington investment options offer something for everyone from simple retirement accounts to tailored wealth management solutions. With transparent fees, helpful advisors, and a strong digital platform, managing your money feels less overwhelming. If you’re ready to grow and protect your wealth, Huntington is a partner you can count on. Explore your options and find the right fit for your financial goals.
