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Let your money work as hard as you do. This interest-bearing checking account has money saving features plus all the conveniences of traditional checking.


Waivable Monthly Service Fee

$18 or $01

Annual Percentage Yield



$0 at 1,400+ KeyBank ATMs

ATM Fee Rebates

$6 for fees charged by out-of-network ATMs2

Features and Benefits

Waive the monthly service fee
No fee when you have at least $10,000 in combined Key account balances, or auto deduct at least $500 for a KeyBank mortgage payment.1

Convenient account access
Access your money with paper checks, a debit Mastercard®, in online and mobile banking and at KeyBank branches and ATMs.

ATM fee rebates
Use Key’s 1,400+ no-fee ATMs when you can. When you can’t, we rebate up to $6 a month for out-of-network ATM fees.2

Save on checks
Get a 50% discount on the cost of checks.

Benefits with Every Checking Account

KeyBank Debit Mastercard®

With chip security, Tap & Go® technology and all the benefits of Mastercard®.

Secure Online & Mobile Banking

Deposit checks in the mobile app, pay bills, send money to friends and family and more.

Convenient Locations

Visit us at more than 1,400 KeyBank ATMs and 1,100 branches.


There is no monthly Maintenance Service Charge 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 Service Charge.
  • 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 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 Service Charge until direct deposits are reinstated by your new employer.

Receive a refund of the first two (2) surcharges from other banks’ ATMs, up to $6 per month, when the withdrawals are made with your 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 Advantage Checking® account and will be reflected on your account statement.


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.


Make Saving as Easy as Spending

Overdraft Protection

Link Accounts for Automatic Coverage and No Transfer Fee

Saving & Budgeting

Get Ideas to Help You Reach Your Money Goals

March 2018 Get Ideas to Help You Reach Your Money Goals

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

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Talk to a Branch Manager in your neighborhood.

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