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Key Active Saver® account can help you save money, earn interest and avoid fees, all while providing you overdraft protection for your checking account. Plus, with HelloWallet, you can increase your interest rate1, and make saving part of your daily routine with EasyUp.


Monthly Maintenance Service Charge


Minimum Opening Deposit


Interest Rate

Standard variable interest rate, or Financial Wellness variable interest rate Compounded daily

Qualifies for Relationship Balances


Can Be Used for Overdraft Protection



Be rewarded for your financial progress.

  • Enroll in EasyUp by KeyBank3, the tool that automatically sends $1 from your checking account to your savings account every time you make a debit purchase. You make saving part of your daily routine, and we’ll waive the monthly maintenance fee of your Key Active Saver account.
  • Sign up for HelloWallet, Key’s financial wellness tool, and as your Financial Wellness Score improves, your Key Active Saver interest rate can increase, too.

Waive the monthly maintenance fee. You won’t see a monthly maintenance fee when you are:

  • Enrolled in EasyUp or in HelloWallet (must be fully enrolled in HelloWallet with a Financial Wellness Score of at least one);

You can also waive the monthly maintenance fee any month you either:

  • Make at least a $5 direct deposit or recurring online banking transfer to Key Active Saver; or
  • Have a Key Active Saver balance of at least $300

Stay in control with secure, easy-to-use KeyBank online and mobile banking.

  • Deposit checks from your phone with the mobile app
  • Schedule and pay bills with Bill Pay
  • Pay friends and family with Zelle

This Account can earn interest based on two different interest rate structures. These variable interest rate structures are referred to as Standard Interest and Financial Wellness Interest. You are eligible for Financial Wellness Interest only if you are enrolled in HelloWallet through KeyBank’s Online Banking, have a Financial Wellness Score greater than zero (0) and the balance in the Account is $0.01- $24,999.99. Balances of $25,000 and above will earn Standard Interest on the entire balance. The accounts pay interest for all tiers at a variable rate that may change at any time after the account is opened. Fees may reduce earnings on the account.


Full enrollment in KeyBank's HelloWallet program includes:

  • Acceptance of Terms & Conditions of program
  • Input Age & Income into KeyBank's HelloWallet Financial Wellness Tool
  • Your Account must be fully enrolled with a Financial Wellness Score greater than zero (0) three business days prior to your Key Active Saver Account's monthly Maintenance Service Charge assessment date

Subject to the terms of the Savings Overdraft Protection Agreement.


Your Key Active Saver Account is enrolled in EasyUp at least 3 business days prior to when the Monthly Maintenance Service Charge is scheduled to post to your Key Active Saver Account.

Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.

KeyBank is Member FDIC.

Financial Wellness

Use EasyUp by KeyBank to Effortlessly Set Aside Money to Reach Your Goals

Savings Calculators

See How to Meet Your Savings Goals

Find out how long it will take you to reach your savings goal.

See How to Meet Your Savings Goals
Savings & CDs

Learn the Difference Between CDs and Other Savings Accounts

Build savings with Certificates of Deposit.

December 2019 Learn the Difference Between CDs and Other Savings Accounts

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