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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 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


Overview of product features.
Waivable Monthly Maintenance Fee


Minimum Balance Requirement


Transaction Minimum


Minimum Opening Deposit


Paper Checks


No Fee ATMs

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

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 1,000+ branches and 40,000 KeyBank ATMs and Allpoint® ATMs nationwide when you use your KeyBank Debit Mastercard®.


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.


refer friends and you could get rewarded.

refer friends and you could get rewarded.
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)

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Clients using a relay service:

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