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The right features make all the difference. That’s why every KeyBank checking account comes with a debit Mastercard®, access to 1,100+ branches and 1,400+ free ATMs, and tools to help you save toward financial goals.

Find the Right Checking Account4

The features make the difference.

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

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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.
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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.

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Key Privilege Select Checking® account holders with a debit card will receive a refund of other bank’s ATM cash withdrawal surcharges 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 Key Privilege Select Checking 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 bank’s surcharges assessed for cash withdrawal(s) you made at other bank’s ATMs during the period between your last Account statement cycle date and your Account closing date.

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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.

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This material is presented for informational purposes only and should not be construed as individual tax or financial advice. KeyBank does not provide legal advice.

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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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