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  • Online Banking
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If monthly fees, minimum balance requirements and transaction minimums don’t get you anywhere but behind, open a simple checking account with no monthly fees. 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

Overview

Overview of product features.
Monthly maintenance fee

$0

Minimum Balance Requirement

$0

Transaction Minimum

$0

Minimum Opening Deposit

$10

Paper Checks

Yes

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®.

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.

Online Banking

Do all your banking securely online. It’s easy to start.

Do all your banking securely online. It’s easy to start.
Overdraft Protection

Link Accounts for Automatic Coverage

Checking

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:
1-800-539-8336

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

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Find a Branch or ATM