Key@Work | KeyBank

This is What You’d Call a Win-Win

Group Main Stream, Inc knows that financial wellness is an important part of your well-being, so it joined with KeyBank to bring you Key@Work. Key@Work is a no-cost benefit you can use to reach your financial goals, minimize stress, and even be more productive.

Get $250

Use Offer Code ONKW0322

Qualify for your $250:

Use the offer code above to open a qualifying checking account online by August 31, 2022*
Get $250 - in the first 60 days, make at least $1,000 in direct deposits

No minimum opening deposit required when you open a qualifying KeyBank checking account online below.

Your $250 will be deposited into your checking account within 120 days of when you meet the requirements, unless your account is closed or overdrawn at the time.

Compare Accounts

Banking made easy with everyday checking.

Every account includes secure online and mobile banking with mobile check deposit, a KeyBank debit Mastercard^® with chip security, and access to our 1,100 branches and 40,000 KeyBank and Allpoint ATMs nationwide, often without a surcharge.²

No monthly maintenance fee, no minimum balance
Paper checks and every digital feature

Rates & Fees

Schedule an Appointment

No
Interest Bearing

Interest bearing
Discounts on checks

Rates & Fees

Yes

Interest Bearing

Relationship rates and discounts
Automatic daily sweeps to savings

Rates & Fees

Yes
Interest Bearing

Premium management and investing services
Relationship rates and discounts

Rates & Fees

Yes
Interest Bearing

Key Smart Checking is the basic banking account in New York. For all accounts, other miscellaneous charges apply. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee.

A $10 minimum deposit is required to open this account. There is no monthly maintenance fee for this account. Other fees may apply.

No surcharge at KeyBank ATMs. No surcharge at Allpoint ATMs when using your KeyBank debit card on an eligible account type. With the exception of the KeyBank Hassle-Free Account^®, all clients in KeyBank’s personal checking products are eligible for Allpoint when they use their KeyBank Debit Mastercard^®. Savings, Business and Hassle-Free accounts are not eligible for Allpoint.

To avoid Maintenance Service Charges...

To avoid the $18 monthly maintenance fee for Key Advantage Checking^® Account, meet any of the following requirements:
1. Any combination of balances from your KeyBank checking, savings deposit, certificates of deposit, retirement deposits, investment* (including annuity balances reflected on your KIS account statement) and credit accounts was $10,000.00 or more.
2. You have a KeyBank originated mortgage and you have automatic payment deducted via ACH deducting $500.00 or more from your Key Advantage Checking account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the monthly maintenance fee.
3. You are a Key@Work^® program member and you have direct deposits totaling $1000.00 or more credited to your Key Advantage Checking account during a statement cycle. If you leave your current employer and direct deposits are discontinued, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated by your new employer.
As a Key Privilege client, you can avoid the $25 monthly maintenance fee if:
1. You maintain a combined balance of $25,000 or more in any combination of deposit, investment* and credit accounts.
2. You have a mortgage originated through KeyBank and you have an automatic payment deduction plan via ACH deducting $500 or more from your Key Privilege Checking Account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the maintenance fees.
3. You are a Key@Work program member and you have direct deposits totaling at least $2,500.00 credited to this Account during a statement period. If you leave your current employer and direct deposits stop, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated.
To avoid the $50 monthly maintenance fee for Key Privilege Select Checking^® Account, you must maintain a minimum of $100,000 in combined relationship balances (sweep investment, deposits and investment* [including annuity balances reflected on your KIS account statement]) each statement cycle OR be a Key@Work program member and have a total of at least $5,000 in direct deposits each statement cycle credited to this Account.

Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor.

Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA). KIS and KIA are affiliated with KeyBank National Association (KeyBank).

Investment and insurance products made available through KIS and KIA are:

NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Save more and reach your goals.

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.

Waive the monthly maintenance fee¹
Set up automatic savings with EasyUp

Rates & Fees

Schedule an Appointment

Yes²
Use Account for Overdraft Protection

Gain an interest boost when your balance hits $5,000 or more
Several ways to waive the monthly maintenance fee¹

Rates & Fees

Schedule an Appointment

Yes²
Use Account for Overdraft Protection

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

Schedule an Appointment

Yes²
Use Account for Overdraft Protection

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

No²
Use Account for Overdraft Protection

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.

Subject to the terms of the Savings Overdraft Protection Agreement.

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

The $4.00 monthly maintenance fee for Key Active Saver Account will be waived if the following requirement is met:

There is no monthly maintenance fee if you are an owner on a KeyBank consumer checking account (including the KeyBank Hassle-Free Account^®), otherwise the fee will be $4.00.

The $18.00 monthly maintenance fee 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 fee for Key Silver Money Market Savings Account will be waived if at least one of the following requirements is met:

Currently have or open a Key Advantage^®, Key Privilege^® or Key Privilege Select^® checking account
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 the Key Silver Money Market Savings Account during the monthly statement cycle.

The $2.50 or $5.00 monthly maintenance fee 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.

Tax-free savings to help cover healthcare costs.

A KeyBank HSA helps you save and pay for medical costs. Contributions are pre-tax and withdrawals are tax-free, giving you the full benefit of your savings.

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

Rates & Fees

Schedule an Appointment

No²
Use Account for Overdraft Protection

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.

Subject to the terms of the Savings Overdraft Protection Agreement.

If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed at the time of gift payment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice, and cannot be combined with any other offer. Other miscellaneous charges may apply. Coupon/Offer code required. Cannot be sold. Key is not responsible for and will not honor promotional offers that appear on third-party websites that are not authorized by KeyBank.

To waive the monthly maintenance fee you must be a Key@Work program member and have a cumulative total of at least $1,000 in direct deposits each statement cycle for Key Advantage, $2,500 for Key Privilege, or $5,000 for Key Privilege Select Checking.