How KeyBank’s EasyUp Makes Saving Money Effortless

KeyBank has found a clever way to help customers save without thinking about it. Its EasyUp program automatically rounds up debit card purchases and moves small amounts into savings accounts, making financial growth almost effortless—like picking up your morning coffee.

Since its launch in August 2019, EasyUp has helped clients save over $182 million collectively through July 2025. On average, users are putting aside $490 a year, showing that even tiny, consistent contributions can grow into meaningful savings over time.

What Is EasyUp?

EasyUp is a micro-saving tool that relies on behavioral psychology to make saving almost automatic. Instead of having to remember to transfer money manually, users can set a rounding amount—anywhere from 10 cents to $5 per transaction—and the system does the rest. Every debit card purchase then contributes to building a financial cushion effortlessly.

Five Reasons EasyUp Works So Well

1. Quick and Simple Enrollment

Signing up is straightforward. Customers can activate EasyUp via KeyBank’s mobile app or online banking platform, select which checking and savings accounts to link, and set the transfer amount per purchase. It takes just a few clicks to get started.

2. Automatic Savings With Every Purchase

Once activated, EasyUp runs in the background. Whether it’s groceries, gas, or entertainment, the chosen rounding amount moves from checking to savings automatically. This removes the mental effort and makes saving nearly invisible in daily life.

3. Flexible Goals for Any Purpose

EasyUp isn’t just for emergency savings. Customers can direct funds toward vacations, debt repayment, investments, or any other financial goal. This adaptability allows users to align automatic savings with what matters most to them.

4. Complete Control

Despite being automated, EasyUp is fully customizable. Users can pause the program, change the transfer amount, or switch accounts at any time. Adjustments are simple to make through the banking platform.

5. Boosts Relationship Benefits

EasyUp transactions also count toward KeyBank’s relationship benefits. Customers who need five qualifying monthly purchases to earn benefits can meet this threshold through EasyUp, effectively saving and maintaining perks at the same time.

Why Micro-Saving Works

Traditional savings methods often fail because they rely on active decision-making during spending moments. EasyUp removes this hurdle by saving after purchases, not before. It’s a modern twist on the classic “pay yourself first” approach.

KeyBank’s data confirms the effectiveness of this method. With consistent savings averaging $490 per year per user, the tool encourages long-term engagement rather than short-lived enthusiasm.

Real Impact on Financial Wellness

EasyUp isn’t just about growing savings accounts—it helps people build resilience. Many Americans struggle to cover unexpected expenses, and automatic programs like EasyUp can bridge that gap.

It also educates users on financial habits, showing that small, consistent actions can lead to meaningful results. Over time, this can inspire broader financial wellness behaviors, such as budgeting and investing.

A Customer-Focused Innovation

EasyUp reflects KeyBank’s commitment to practical financial solutions that meet modern consumer needs. As the bank celebrates its bicentennial in 2025, the program highlights how traditional institutions can innovate while remaining dedicated to helping customers succeed financially.


FAQs About KeyBank’s EasyUp

1. How does EasyUp work?
EasyUp automatically rounds up debit card purchases and transfers the difference into a savings account, helping users save without thinking about it.

2. How much can I save with EasyUp?
On average, KeyBank customers save around $490 per year, though results vary depending on spending habits.

3. Can I choose how much money gets saved per purchase?
Yes, you can select a transfer amount from 10 cents to $5 per transaction, giving you full control.

4. What types of goals can EasyUp funds be used for?
Funds can go toward emergency savings, vacations, investments, debt repayment, or any financial priority you choose.

5. Does EasyUp help with KeyBank’s relationship benefits?
Yes, EasyUp transactions count toward the five qualifying monthly purchases needed to access relationship benefits.

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