Personal Checking Accounts

Checking Accounts offer easy, online access and can help you save on overdraft fees, protect your identity, understand your credit score, and more, while Package Checking Accounts can help integrate banking and investing, offer higher earnings potential, and provide preferred pricing on financial solutions.

Our enhanced KeyBank Relationship Rewards program allows you to earn points just by actively using your checking account, debit card or by expanding your banking relationship with Key.**

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Key Express Checking Account

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Take advantage of the many benefits of electronic banking in addition to free, unlimited use of KeyBank ATM branch locations nationwide.

Benefits

  • No minimum balance required
  • No monthly debit card fee and no fee for using your card on purchases

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Rates & Fees

Relationship Rewards membership fee $40 annual fee
Interest bearing No
No monthly maintenance service charge Make at least $500 in deposits or initiate eight transactions per statement cycle

KeyBank Access Account

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An alternative to traditional checking accounts, the KeyBank Access Account® provides a no monthly fee debit card and online banking.

Benefits

  • Deposits made using direct deposit, a KeyBank ATM, or online are free of charge
  • No overdraft fees. No bounced checks -- there are no paper checks on this account
  • The adult account owner may request that a minor (age 13-17) receive a debit card for access to this account1

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Rates & Fees

Relationship Rewards membership fee $40 annual fee
Interest bearing No
No monthly maintenance service charge Make at least $200 in deposits or initiate two transactions per statement cycle

Key Coverage Checking Account

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A checking account designed to help you manage your money, save on overdraft fees, and avoid unpleasant surprises when it comes to your finances – all for only a $12 monthly Maintenance Service Charge.

Benefits

  • Save on overdraft fees, including waiver of first two overdraft or return item fees assessed per monthly statement
  • Protection against identity theft with ITAC Sentinel®2, including credit report, credit file monitoring, and up to $2,500 identity theft insurance, at no additional cost to you ($0 deductible)3  

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Rates & Fees

Relationship Rewards membership fee $40 annual fee
Interest bearing No
Monthly maintenance fee $12 monthly maintenance service charge

Key Student Checking Account

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A checking account designed to meet the unique needs of students, Key Student Checking® offers students and their parents convenience and cost-savings.

Benefits

  • Checking account for students 16 years of age and over4
  • No minimum balance required
  • No fee charged by KeyBank for withdrawing cash from other banks' ATMs

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Rates & Fees

Relationship Rewards membership fee $40 annual fee
Interest bearing No
No monthly maintenance service charge Make at least $200 in deposits or initiate five transactions per statement cycle

Key Advantage Checking Account

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Our Key Advantage® Checking Account rewards you for your banking relationship with KeyBank. Take advantage of extensive benefits and preferred pricing.

Benefits

  • Interest bearing checking account with free Key Exclusive checks
  • Reimbursement of other banks’ ATM cash/withdrawal surcharges, up to $6 per month

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Rates & Fees

Relationship Rewards membership fee $30 annual fee
Interest bearing Yes
No monthly maintenance service charge Several options are available to waive the monthly Maintenance Service Charge5

Key Privilege Checking Account

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Enjoy the benefits of the Key Privilege® checking account, integrating banking and investing. A Relationship Manager will work with you to help with financial goal planning.

Benefits

  • Daily sweep to an FDIC insured account, unlimited check writing, and various overdraft protection options
  • Comprehensive relationship statement showing banking and investment activity
  • Reimbursement of other banks’ ATM cash/withdrawal surcharges, up to $6 per month

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Rates & Fees

Relationship Rewards membership fee Free
Interest bearing Yes
No monthly maintenance service charge Several options are available to waive the monthly Maintenance Service Charge6

Key Privilege Select Checking Account

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Enjoy the benefits of a suite of premium financial management solutions integrating banking and investing. A Relationship Manager will work with you to help determine your personal investment strategy.

Benefits

  • Daily sweep with array of investment options, unlimited check writing, and various overdraft protection options
  • Comprehensive relationship statement showing banking and investment activity
  • Unlimited reimbursement of other banks' ATM cash/withdrawal surcharges

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Rates & Fees

Relationship Rewards membership fee Free
Interest bearing Yes
No monthly maintenance service charge Several options are available to waive the monthly Maintenance Service Charge7
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