
Find a checking account that checks all your boxes. An easy way to set up automatic savings: Check. Overdraft protection from a linked account with no transfer fee:1 Check. Access to 1,000+ branches and more than 40,000 ATMs nationwide: Check. Compare our checking accounts and open yours online in minutes.

Key Smart Checking
No monthly maintenance fee. It's a checking account, not a country club.
More KeyBank Checking Accounts
- No monthly maintenance fee, no minimum balance
- Paper checks and every digital feature
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$0
Monthly Maintenance Fee
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No
Interest Bearing
- Interest bearing
- Discounts on checks
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$183
Waivable Monthly Maintenance Fee
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Yes
Interest Bearing
- Relationship rates and discounts
- Automatic daily sweeps to savings
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$253
Waivable Monthly Maintenance Fee
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Yes
Interest Bearing
- Premium management and investing services
- Relationship rates and discounts
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$503
Waivable Monthly Maintenance Fee
-
Yes
Interest Bearing
- No monthly maintenance fees, no minimum balance
-
$0
Monthly Maintenance Fee
-
No
Interest Bearing
Why Bank With Key
- Key Coverage ZoneSM
If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee
- EasyUp®, Automatic Savings
Use EasyUp to build savings or pay down debt without even thinking about it
- Secure online & mobile banking
Deposit checks in the mobile app, pay bills, send money to friends and family and more2
- Convenient branches and ATMs
Visit us at any one of our 1,000 branches and 40,000 KeyBank ATMs and Allpoint ATMs nationwide
- Overdraft Protection
Link your checking account to a savings or eligible credit product to automatically cover overdrafts without a transfer fee1
- KeyBank Debit Mastercard®
Enjoy chip security, Tap & Go technology and all benefits of Mastercard
- Account alerts
Set custom alerts so you can receive text or email updates about the account information that's important to you4
This service is not available with KeyBank Hassle-Free Account®. Credit Products interest charges on balances will apply.
Subject to terms and conditions in Service Agreement.
To avoid monthly maintenance service charges...
- The $18 monthly maintenance fee for the Key Advantage Checking® Account can be avoided if one of the following requirements is met in a statement period:
- Maintain a minimum of $10,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
- You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. 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.
- You are a Key@Work program member and have at least $1,000 in cumulative direct deposits each statement period. 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.
- The $25 monthly maintenance fee for the Key Privilege Checking® Account can be avoided if one of the following requirements is met in a statement period:
- Maintain a minimum of $25,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
- You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. 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.
- You are a Key@Work program member and have at least $2,500 in cumulative direct deposits each statement period. 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.
- The $50 monthly maintenance fee for the Key Privilege Select Checking® Account can be avoided if one of the following requirements is met in a statement period:
- Maintain a minimum of $100,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement).
- You are a Key@Work program member and have at least $5,000 in cumulative direct deposits each statement period. 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.
Investment products are 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:
KIS, KIA and KeyBank are separate entities, and when you buy or sell securities and insurance products you are doing business with KIS and/or KIA, and not KeyBank.
Message and Data rates may apply.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.