Key Smart Checking®

Don’t let a bank come between you and your money.

If monthly fees, minimum balance requirements and transaction minimums don’t get you anywhere but behind, open a simple checking account with no monthly maintenance fee. Key Smart Checking® is a free basic checking account for everyday needs that puts you in control and stays out of the way, because a bank should never come between you and your money.1

Open Now Rates & Fees

Overview

Waivable Monthly Maintenance Fee

$0

Minimum Balance Requirement

$0

Transaction Minimum

$0

Overdraft Protection Transfer Fee

$0 Transfer Fee when linking a savings or eligible credit product to your checking account

Minimum Opening Deposit

$10

Paper Checks

Yes

No Fee ATMs

$0 KeyBank and Allpoint® ATM access nationwide with your KeyBank Debit Mastercard®

Benefits with Every Checking Account

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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.

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KeyBank Debit Mastercard®

Secure Online & Mobile Banking

Convenient Locations

Open Now Rates & Fees
1

A $10 minimum deposit is required to open this account. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee. Other miscellaneous charges apply.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Checking

refer friends and you could get rewarded.

get $100 for referring a friend

Overdraft Protection

link accounts for automatic coverage.

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Checking

see all the fees, so you can avoid them.

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Contact Us Icon

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

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Find a Branch or ATM

Contact Us Icon

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Contact Us Icon

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now