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Key Active Saver can help you save money, earn interest and avoid fees, all while enjoying overdraft protection. Plus, when you enroll in HelloWallet and increase your Financial Wellness Score, you can increase your interest rate.1


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. With Key Active Saver and HelloWallet, our financial wellness tool, you can avoid monthly account maintenance fees and earn more interest as your Financial Wellness Score improves.
  • Do any one of the following each month to waive the maintenance fee: Be fully enrolled in HelloWallet with a Financial Wellness Score of at least one; make a direct deposit or recurring online banking transfer of at least $5; or have a balance of at least $300.
  • Manage your money with online banking and KeyBank's ATM network

How it Works

Enroll in HelloWallet to get the most from Key Active Saver.

With HelloWallet, you can earn more interest on your Key Active Saver balance, avoid the account’s monthly maintenance fees, and build stronger financial habits.

  • Enroll in HelloWallet and follow the steps to grow your Financial Wellness Score from 1 to 100.
  • Earn from 0.10% APY to 1.00% APY on your balance, depending on your score.2


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. A Transfer Fee will be charged to your checking account each day an automatic transfer is made from your savings account to pay overdrafts to your checking account.

Member FDIC

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.

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