How are you doing financially?

Get your Financial Wellness Score to find out

Get my Score

We're here to help you thrive.

When you approach your financial life like a journey, taking it one step at a time, you can better focus on increasing your financial wellness. But how you begin any journey is important. That's why your first step should be to know your Financial Wellness Score. Your Score guides you on the road to financial health, and when you improve your financial wellness, you'll be happier, less stressed, and more engaged in all aspects of your life. And we'll be with you on every step of your journey, because our goal is to see everyone thrive.

These small steps now can have a big impact on your financial wellness.

Pin Icon

Understand where you are today

Action Icon

Take action, one step at a time

Dollar Sign Icon

Build healthy financial habits

Monitor Icon

Monitor regularly

Celebrate Icon

Celebrate each success

Hello Wallet

Insights and guidance you can use.

KeyBank has teamed up with HelloWallet to help you on your journey to financial wellness. You'll get personalized, unbiased guidance to help you make better, more-informed, and more-confident financial decisions. Through your Score you'll get a complete picture of where you are and where you're going, with the ability to see your entire financial picture in one place - even non-KeyBank accounts. HelloWallet also helps you reach your financial goals with tools and resources that allow you to set budgets, plan for retirement, and more.

Hello Wallet

Your Financial Wellness Score

High or low? On track or need to improve? Your Score is calculated based on your current financial situation, including your account balances, income, spending, and demographic. The more you input about your financial life, the more accurate your HelloWallet score will be. You'll even get a "Peer Score" to show you how you stack up against others whose incomes and ages are similar.

See how the Score is calculated

Once entered, HelloWallet looks at your progress in eight vital financial areas and assigns each of them a value to give you your Financial Wellness Score, updated each time you sign on to your KeyBank Online Banking Account.

Spending less than you earn - Spend less than 90% of what you earn.

Credit card balance - Your Score will increase as your credit card balances decrease.

Emergency savings - Set aside 3 - 6 months of income to protect your assets without relying on credit cards or loans.

Retirement savings - Your ability to close the gap between your estimated Social Security benefit (and/or pension if you have one) and a retirement income goal.

Home equity - Compares total home value (if you own one) to current mortgage balance. Full points if you have at least 20% equity in your home.

Other loan balances - Maximum points for no loans; no points if your loans (excluding mortgage) are more than two-thirds your household's gross annual income.

Health coverage - Accounts like FSAs or HSAs count toward your Health Coverage Score component.

Insurance coverage - Policies you've entered in HelloWallet are evaluated; your Score will reflect the necessary coverage.

Benefits of knowing your Score.

  • Reduces stress from worrying about your everyday finances
  • Protects against financial risks if you don't know where you stand financially
  • Helps set financial wellness goals
  • Helps you make better financial choices while promoting healthier financial habits

Hello Wallet Score Video
Hello Wallet Score Example

How does it work?

Each time you sign on to KeyBank Digital Banking you'll see your Financial Wellness Score from HelloWallet. Your Score changes as your situation does. To find out what has affected your Score, just click on your Score to log on to HelloWallet. It's all there in an easy-to-understand format.

Get ready to thrive financially.

Once you've enrolled, just enter some basic information and connect your bank accounts to HelloWallet's safe and secure system. From there, it calculates your Financial Wellness Score, keeps track of your accounts, and provides tips and guidance you can act on immediately.

Hello Wallet path to financial wellness

Get started on your journey to Financial Wellness:


First, sign on to (or enroll in) KeyBank Digital Banking


Second, click the financial wellness ad at the top of your Digital Banking home page

Hello Wallet Screenshot

Third, complete your HelloWallet enrollment

Online Banking