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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.


Waivable Monthly Service Fee

$25 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

Get the perks of relationship banking
We’re here with advice and insights to help keep you moving in the right direction. Did we mention special pricing like preferred CD rates and discounts on loans and lines of credit? You get those, too.

Waive the monthly service fee
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.

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

Free checks
Never pay for your standard 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.


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 and No Transfer Fee

Investing & Retirement

Better Saving and Investment Strategies Build Better Futures

March 2018 Better Saving and Investment Strategies Build Better Futures

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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