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Get more from your checking account, every day. KeyBank checking accounts give you secure online and mobile banking with mobile check deposit, a KeyBank Debit Mastercard® with chip security, and access to more than 1,400 KeyBank ATMs and 1,100 branches. So you always have what you need, when you need it.

Checking Features to Help You Save

Automatic Savings

Save $1 every time you make a debit card purchase, when you use EasyUp® by KeyBank.

Overdraft Protection

Link your checking and savings accounts to automatically cover overdrafts without a transfer fee.

Waivable Fees

Where there’s a monthly service fee, there’s a way to waive it.

Compare KeyBank Checking Account Features

Key Student Checking® Account 5 of 6

Banking basics for students

  • Waive the maintenance fee every month you make at least 5 posted transactions, or deposit at least $2001
  • Reimbursement of non-Key ATM surcharges, up to $6 monthly2
Rates & Fees

Key Express Checking is the basic banking account in New York.

1

To avoid Maintenance Service Charges...

  • As a Key Privilege client, you can avoid the $25 monthly Maintenance Service Charge 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 monthly Maintenance Service Charge.
    3. You are a Key@Work program member and you have direct deposits totaling at least $2,500.00 or more 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 Service Charge until direct deposits are reinstated.
  • To avoid the $5 monthly Maintenance Service Charge for Key Student Checking Account, each statement cycle, you will be required to have at least five (5) customer initiated posted transactions (ANY deposits, withdrawals, including transfers) on your Key Student Checking Account or have deposits (including transfers into this Account) totaling $200.00 or more credited to your Key Student Checking Account. If you do not meet one of these requirements a $5.00 monthly Maintenance Service Charge will be assessed
  • To avoid charges for KeyBank Hassle-Free Account®, do not close close your account within 180 days of account opening, or you will be charged a $25.00 account early closure fee. Other miscellaneous charges apply.
  • To avoid the $7 monthly Maintenance Service Charge for Key Express Checking® Account, each statement cycle, you will be required to have at least eight (8) customer initiated posted transactions (ANY deposits, withdrawals, including transfers) on your Key Express Checking Account or have deposits (including transfers into this account) totaling $500.00 or more credited to your Key Express Checking Account. If you do not meet one of these requirements a $7.00 monthly Maintenance Service Charge will be assessed.
  • To avoid the $50 monthly Maintenance Service Charge 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.
  • To avoid the $18 monthly Maintenance Service Charge 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 Service Charge.
    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 Service Charge until direct deposits are reinstated by your new employer.
2

Receive a refund of the first two (2) surcharges from other banks’ ATMs, up to $6 per month, when the withdrawals are made with any KeyBank Debit Mastercard®. The refunds do not apply when the withdrawals are made with a KeyBank ATM Card. The surcharge refund will be credited monthly to your account and will be reflected on your account statement. Transactions eligible for reimbursement will begin with those made no later than 60 days after qualifications have been met. If you close your account, you will not be refunded for other banks’ surcharges assessed for cash withdrawal(s) you made at other banks’ ATMs during the period between your last account statement cycle date and your account closing date.

*

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.

EasyUp

Make Saving as Easy as Spending

Overdraft Protection

Link Accounts for Automatic Coverage and No Transfer Fee

Financial Wellness Center

Tips and Tricks for Reaching Money Happiness

Answers to all your financial questions, plus ideas for making progress.

March 2018 Tips and Tricks for Reaching Money Happiness

Call Us

1-800-KEY2YOU® (539-2968)

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

Clients using a relay service:
1-866-821-9126

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