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With EasyUp, Financial Progress is Automatic

EasyUp makes saving as easy as spending. Every time you make a purchase with your debit card, EasyUp transfers money from your checking account to your savings account. The default transfer amount is $1, but you can customize it to any amount from $0.10 to $5.00. If you want to save more this month, bump it up. If you want to save less, dial it back. You can change it anytime.

EasyUp also gives you a choice of what to do with your savings. You can leave it in your account to continue building your savings, or you can direct your monthly savings to make an extra payment on one of your debts.

Transcript

What if saving money was just as easy as spending it?

With EasyUp from KeyBank, it is.

Add EasyUp to your KeyBank checking account, and every time you use your debit card to make a purchase, EasyUp will transfer $1 into your savings account.

That means you’re paying yourself back every day as you make purchases. And whether it’s groceries or gas, take-out or movies, every small step adds up.

In fact, you could set aside an extra $300 a year on average, which you can use to pay down debt faster, meet your savings goals, and make financial progress.

With EasyUp, saving is as easy as spending. And it’s just one of the many ways KeyBank helps put you on the path to financial wellness.

Use the red key.

How to Start Saving with EasyUp

  • There’s no fee for using EasyUp, and it’s easy to manage anytime in online and mobile banking. Get started today.
  • Sign on to online or mobile banking.
  • Select the red EasyUp button on your online account. For mobile, hit the plus button at the bottom, select Tools, and click the EasyUp link.
  • Follow the prompts to link your selected checking and savings accounts, set a transfer amount or keep it at the $1 default to start saving, and determine whether to use that money to automatically pay down debt.

Frequently Asked Questions

Which accounts do I need so I can use EasyUp?

To start using EasyUp, you’ll need a KeyBank checking and KeyBank savings account and be enrolled in online or mobile banking. That way, when you make a purchase from your checking account using your debit card, we can easily transfer money from that checking account to your savings account.

The following KeyBank accounts are eligible to use with EasyUp: any KeyBank checking account, and Key Active Saver®, Key Gold Money Market Savings®, Key Silver Money Market Savings®, and KEY4KIDS® Savings. Health Savings Accounts (HSAs) are excluded.

Can I use EasyUp with joint accounts?

Yes, you can add EasyUp to any personal Key checking and savings account (except Health Savings Accounts). At this time, you may only have EasyUp on one set of accounts.

Can I enroll my business checking accounts in EasyUp?

Not currently. EasyUp is for personal accounts only.

Can I move my money back to my checking account from my savings account?

Yes. This is your money and you can move it from your savings account at any time. You can also, at anytime, raise or lower the amount of money you transfer with every debit card purchase. In addition, you can easily pay down debt by setting up automatic monthly payments from your savings account to a company you choose.

Will EasyUp overdraw my account?

We’ve built in several protections to help avoid overdrafts. We will only process the EasyUp transfer for that day if the available balance in your checking account as of the cutoff time is at least fifty dollars ($50.00) plus the amount of your scheduled daily transfer. We also check to make sure the available balance in your savings account is enough to make the monthly debt payment. We will not make the debt payment if there are not sufficient funds. Plus, if EasyUp were to overdraw your account, you would not be charged an overdraft fee.

Why don’t I see my recent purchase in EasyUp?

EasyUp shows posted transactions only, and some debit card transactions can take a few days to post to your account. Also, some stores process purchases in batches as they ship. When your purchase does post to your account, you’ll see that money was transferred to your savings account. The same balance requirements (minimum of $50 plus the EasyUp transfer amount) apply in this case.

Can I pause and resume EasyUp transfers?

Yes. You can easily turn EasyUp on and off in online and mobile banking’s EasyUp overview dashboard. That’s also where you can raise or lower the amount of money you want transferred with each debit card purchase. We check to see if EasyUp is active, as well as the transfer amount, at the end of every business day (11:59 p.m. EST).

If you pause EasyUp after that, and then a purchase posts to your account, your transfer may be processed. If you resume EasyUp before 11:59 p.m. on any given day, any transactions posting in that night’s batch will move money to your savings account. If it’s after 11:59 p.m., transfers would begin the next day.

How do I start using EasyUp with a different set of accounts than those I’m using it with now?

Just sign on to online and mobile banking, select EasyUp from the account details section and set up the new set of accounts.

How do I set up debt payments?

It’s easy to add automatic monthly debt payments. Once you have added EasyUp to your checking and savings accounts, you can set up payments and choose the debt that you wish to pay. EasyUp daily transfers will accumulate in your savings account until 11:59 p.m. EST on the last business day of the month and are sent to the company of your choice on the third day of the next month. To make sure your debt payment is sent, you must set up your payment (select a company) by 11:59 p.m. on the last business day of the month.

How can I ensure my monthly debt payment is made?

Payments need to be set up and active by 11:59 p.m. EST on the last business day of the month in order for the payment to go out on the third business day of the next month. The debt you’re paying can change until the third business day, but if it’s not set up, and EasyUp is active, by the end of the month, the payment won’t be sent.

Can I pause and resume my monthly debt payments?

Yes. You can easily turn your monthly debt payments on and off anytime in online and mobile banking’s EasyUp overview dashboard. If paused on the last business day of the month, no payments will go out on the third day of the following month. Once paused, service needs to be resumed before 11:59 p.m. EST the last business day of the month in order for payments are sent out on the third day of the following month.

Can I change which company I send my monthly debt payments to?

Yes. You can easily choose a different company to send your debt payments to in online and mobile banking’s EasyUp overview dashboard. To have your selection be effective for the next payment day, change your company by 11:59 p.m. EST on the third business day of the month (payment day). For example, payments must be set up and active by the last business day of May for the payment to go out on the third business day of June. Once, set up, the payment will continue to be made monthly unless you pause or unenroll.

What kind of debt can I pay?

You can pay most debt from most major credit providers. When you enroll, you’ll see a list of companies to search. Most payments post quickly. However, EasyUp mortgage payments may take a longer period of time to post, as a full mortgage payment must be accumulated before posting can occur. Payments made with EasyUp aren’t a substitute for regularly scheduled payments. They may be subject to the terms of your credit agreement and handled differently by each company.

Why don’t I see my debt payment applied to my debt balance?

Monthly debt payments are debited from savings on the third business day. Most payments post quickly. However, EasyUp mortgage payments may take a longer period of time to post, as a full mortgage payment must be accumulated before posting can occur. Payments made with EasyUp aren’t a substitute for regularly scheduled payments. They may be subject to the terms of your credit agreement and handled differently by each company.

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