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Save more and reach your goals with a KeyBank savings account. With everything from high-interest savings to emergency savings accounts, we've got options to meet your needs. Plus, you can link your new account to your checking account and use EasyUp to make saving part of your daily routine.

Save for the future and avoid fees

  • Keep making financial progress, with an interest rate that can increase as your Financial Wellness Score improves3
  • Waive the monthly fee with enrollment in EasyUp or in HelloWallet (must be fully enrolled in HelloWallet with a Financial Wellness Score of at least one)
Rates & Fees

Save more, earn more

  • Earn higher interest rates as your balance grows
  • Can be used for checking overdraft protection
Rates & Fees

Higher balances earn higher interest

  • Higher interest rates on balances $25,000 and above to help grow your savings even faster
  • Easy access to your money at your local branch or ATM
Rates & Fees

Tax-free savings for qualifying medical expenses

  • Contributions can be made by you or your employer
  • Withdraw funds tax-free to pay for qualified healthcare costs
Rates & Fees

Perfect account for beginners

  • For children under age 18, without maintenance fees
  • Interest-bearing account, compounded daily

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.

1

Subject to the terms of the Savings Overdraft Protection Agreement.

2

The following requirements must be met in order to waive the monthly Maintenance Service Charge on each type of savings account listed in the chart above:

The $4.00 monthly Maintenance Service Charge for Key Active Saver Account will be waived if one of the following requirements is met:

  • Keep a Daily Balance of $300.00 or more during the month
  • Make a monthly direct deposit of at least $5.00 in your Key Active Saver Account
  • Set up a recurring monthly online banking transfer of $5.00 or more from another KeyBank deposit account to your Key Active Saver Account
  • Full enrollment in KeyBank's HelloWallet program with a Financial Wellness Score greater than zero (0)
  • 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.

The $18.00 monthly Maintenance Service Charge for Key Gold Money Market Savings Account will be waived if both of the following requirements are met:

  • The Daily Balance is $25,000.00 or more during the monthly statement period AND
  • Maintain a KeyBank consumer relationship package checking account

The $12.00 monthly Maintenance Service Charge for Key Silver Money Market Savings Account will be waived if one of the following requirements is met:

  • The Minimum Daily Balance is $5,000.00 or more during the monthly statement cycle
  • A monthly direct deposit of at least $25.00 is credited to your Key Silver Money Market Savings Account during the monthly statement cycle
  • A recurring monthly online banking transfer of $25.00 or more from another KeyBank deposit account is transferred to your Key Silver Money Market Savings Account during the monthly statement cycle
  • You must also either currently have or open a Key Advantage®, Key Privilege® Checking or Key Privilege Select® Checking Account to be eligible.

The $2.50 or $5.00 monthly Maintenance Service Charge for Health Savings Account will be waived if both of the following requirements are met:

  • The Monthly Daily Balance is $500.00 or more during the monthly statement period AND
  • Direct deposit is established.

There is no monthly Maintenance Service Charge for KEY4KIDS®.

3

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.

4

The $5,000 minimum opening deposit must come from funds not currently held in accounts at KeyBank or its affiliates and will be eligible for promotional rates.

5

This minimum opening deposit must come from funds not currently held in accounts at KeyBank or its affiliates. If you close your account within 180 days, you will be charged an account early closure fee.

Banking

Make More Financial Progress – Avoid Overdraft Fees

Financial Wellness

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

Financial Wellness

Reveal Your Financial Personality & Reach Your Goals

Call Us

1-800-KEY2YOU®

Clients using a TDD/TTY device:
1-800-539-8336

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