Key Advantage Checking®
Interest bearing with a waivable monthly maintenance fee.
Let your money work as hard as you do. This interest-bearing checking account has money saving features plus all the conveniences of a traditional checking account.
Overview
Waivable Monthly Maintenance Fee | $18 or $0 (1) |
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Annual Percentage Yield |
Variable |
No Fee ATMs |
$0 KeyBank and Allpoint® ATM access nationwide with your KeyBank Debit Mastercard® |
Overdraft Protection Transfer Fee | $0 Transfer Fee when linking a savings or eligible credit product to your checking account |
Features and Benefits
Waive the monthly maintenance fee
No fee when you have at least $10,000 in combined Key account balances1, or auto deduct at least $500 for a KeyBank mortgage payment.
Convenient account access
Access your money with paper checks, a debit Mastercard®, in online and mobile banking and at KeyBank branches and ATMs.
Pay less for checks
Receive 50% off standard check orders. Shipping, taxes, specialty checks and process fees may apply.
Benefits with Every Checking Account

Key Coverage ZoneSM
With Key Coverage Zone, if the unexpected happens and your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
There is no monthly maintenance fee if any of the following requirements are met:
- The combined balance in any combination of KeyBank checking and savings deposit accounts, certificates of deposit, retirement deposits, investment account* (including annuity balances reflected on your KIS account statement) and credit accounts was $10,000.00 or more.
- You have a mortgage originated through KeyBank and you have an automatic payment deduction plan 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.
- You are a Key@Work program member and you have direct deposits totaling $1,000.00 or more credited to your Key Advantage Checking account during a statement cycle. If you should leave your current employer and direct deposits have been 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 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.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
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.