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Your higher balance earns you perks, like preferred pricing, automatic daily sweeps and a detailed, customizable view of all your accounts and investments.


Overview of product features.
Monthly Maintenance Service Charge

$25 or $01

Annual Percentage Yield



$0 at 40,000+ KeyBank and Allpoint ATMs nationwide when you use your KeyBank Debit Mastercard®

ATM Fee Rebates

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

Features and Benefits

Waive the monthly Maintenance Service Charge
No fee when you have at least $25,000 in combined Key account balances, or auto deduct at least $500 for a KeyBank mortgage payment.1

Built in savings features
Automatic daily sweeps to an FDIC-insured savings deposit account ensure your money’s always earning interest.

The big picture
Get all your information, all in one place. Your monthly comprehensive relationship statement gives detailed views of your accounts and investments. Managing your money has never been so easy.

Free checks
Never pay for your standard checks.

Benefits with Every Checking Account

KeyBank Debit Mastercard®

Enjoy 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 any one of our 1,100 branches and 40,000 KeyBank ATMs and Allpoint ATMs nationwide when you use your KeyBank Debit Mastercard®.


As a Key Privilege client, you can avoid the $25 monthly Maintenance Service Charge if:

  • You maintain a combined balance of $25,000 or more in any combination of deposit, investment, and credit accounts.
  • 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.
  • 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.

Key Privilege Checking® account holders will receive a refund of the first two (2) ATM surcharges, up to $6 per month, 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 Checking Account and will be reflected on your account statement.

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


See All the Fees, so You Can Avoid Them

July 2020 See All the Fees, so You Can Avoid Them

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

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