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Get all the essentials of a traditional checking account and avoid fees just by using this account for your everyday banking.


Minimum Opening Deposit


Monthly Maintenance Service Charge


Online Banking with Bill Pay

Unlimited transactions

Convenient Locations

1,200+ branches, 1,500+ ATMs


  • Each month, use your account eight times or deposit at least $500 to waive the monthly maintenance fee1.
  • No minimum balance fee.
  • Convenient online banking and bill pay, mobile check deposit, plus paper checks.
  • KeyBank Debit Mastercard® with chip security.
  • Unlimited check writing and transactions.
  • Plus, use our financial wellness tool to keep forming better financial habits, set goals and celebrate successes.


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


Each statement cycle, you will be required to have at least eight (8) customer initiated 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.

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.

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