Personal Savings Accounts

KeyBank offers a wide range of FDIC-Insured² personal savings accounts, money market savings accounts, and health savings accounts. From a Key Saver Savings Account that provides hassle-free savings, to Key Gold Money Market Savings and Silver Money Market Savings® Accounts that offer competitive savings account interest rates and yield on liquid savings, to a Key4Kids® Savings Account for children under 18, KeyBank has the personal savings accounts and solutions you need to meet your personal financial goals.
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Key Saver Personal Savings Account

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Open an FDIC Insured Key Saver Savings Account with a starting deposit of as little as $50

Benefits

  • No monthly Maintenance Service Charge assessed when you keep a daily balance of $300 or more 
  • Set up regular deposits or transfers from other Key accounts and watch your balance grow
  • 24-hour access to our extensive ATM network
  • Check your balance, transfer funds and more with Online Banking
  • Use this account as overdraft protection for your KeyBank checking account* 

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Rates & Fees

Account overview A basic savings account
Minimum savings account balance to avoid maintenance fees 1 $300
Monthly maintenance fee $4
Relationship Rewards product points 5,000†

Key Silver Money Market Savings Account

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Earn higher interest rates on higher balances with a Key Silver Money Market Savings® Account. Use Online Banking to manage your account and you can access your money using Key's extensive ATM network.

Benefits

  • Earn higher interest rates on higher balances 
  • Access your money easily and conveniently using Key's extensive ATM network
  • Write a limited number of checks with this account
  • Use this account as overdraft protection for your KeyBank checking account* 

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Rates & Fees

Account overview For those who can save at least $25 a month or have savings of $5,000
Minimum savings account balance to avoid maintenance fees 1 $25 a month deposit OR $5,000
Monthly maintenance fee $12
Relationship Rewards product points 10,000†

Key Gold Money Market Savings Account

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You're saving for the future. As your savings grow, so should your interest rates. Open a Key Gold Money Market Savings® Account and get competitive rates that reward you for working toward your financial goals.

Benefits

  • Access your money at your local Key branch, ATM or with limited check writing
  • Must maintain your Key Gold Money Market Savings Account with a Key relationship checking account and enjoy exclusive benefits
  • Open your account online or by visiting a KeyBank branch
  • Use this account as overdraft protection for your KeyBank checking account* 

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Rates & Fees

Account overview For those with savings of $30,000 or more
Minimum savings account balance to avoid maintenance fees 1 $30,000
Monthly maintenance fee $18
Relationship Rewards product points 15,000†

Health Savings Account (HSA)

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The Health Savings Account is designed to help you pay for current and save for future qualified medical expenses on a tax-advantaged basis.

Benefits

  • Easily manage your health care spending
  • You and/or your employer can make contributions to your KeyBank Health Savings Account (HSA) 
  • Make tax-free withdrawals for qualified medical expenses once deposits are made into your HSA 
  • Easily manage expenses with Key Bill Pay and monitor your account activity through Online Banking

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Rates & Fees

Account overview An account with tax-free withdrawals to pay for qualified medical expenses
Set-up Fee $25 (without a relationship)**
Annual fee $10 (without a relationship)**

Key4Kids - Savings Account for Kids

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Key4Kids Savings Account helps your child keep track of their expenses and learn money management.

Benefits

  • Great savings tool to help teach your children about money and banking
  • Open the account with as little as a $10 deposit to start
  • No monthly Maintenance Service Charge or balance requirements

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Account overview For kids younger than 18
Minimum savings account balance to avoid maintenance fees 1 $0
Monthly maintenance fee $0
Relationship Rewards product points 5,000†
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