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


Monthly maintenance fee


Minimum Balance Requirement


Transaction Minimum


Minimum Opening Deposit


Paper 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 card.


A $10 minimum deposit is required to open this account. There is no monthly maintenance fee for this account. Other fees may apply.


Make Saving as Easy as Spending

Overdraft Protection

Link Accounts for Automatic Coverage and No Transfer Fee

Financial Wellness Center

Tips and Tricks for Reaching Money Happiness

Answers to all your financial questions, plus ideas for making progress.

March 2018 Tips and Tricks for Reaching Money Happiness

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

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