Are you financially where you want to be?

Know your Financial Wellness Score to find out and get on track.

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You can thrive financially – with a little help.

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.

Your journey to financial wellness.

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Understand where you are today

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Take action, one step at a time

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Build healthy financial habits

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Monitor regularly

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Celebrate each success

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
  • Helps set financial wellness goals
  • Helps you make better financial choices while promoting healthier financial habits

Hello Wallet Score Video

How does it work?

Each time you sign on to KeyBank Online 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 your financial information into 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:

Hello Wallet OLB Sign On

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

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Second, click on the HelloWallet tile on the right side of the page

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Third, complete your HelloWallet enrollment

Online Banking