your golden years deserve a better checking account.

Get fewer fees and more support, with a no monthly maintenance fee checking account like Key Smart Checking®, great for seniors.

Open a Checking Account Schedule an Appointment

Open a checking account that helps you save more and bank conveniently. With Key Smart Checking® you’ll get free ATMs, support from a banker whenever you want it, and no monthly maintenance fees. Or, check out our premium accounts with great benefits and waivable fees. 

monthly fees

Skip the Monthly Fees

Choose a checking account with no Mobile Banking monthly fees or fees that are easily waived each month.

Free ATM Withdrawals

Visit us at more than 40,000 ATMs for easy, no-charge access to any of the checking accounts below.1

branches

Convenient Branches

KeyBank has hundreds of branches so it’s convenient to stop in or make an appointment when you want to.

online mobile banking

Secure Online and Mobile Banking

Get instant access to all of your accounts anytime, wherever life takes you.2

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Key Smart Checking®

Simple checking account with no monthly maintenance fee

  • No monthly maintenance fee, no minimum balance
  • Paper checks and every digital feature
Rates & Fees

  • $0

    Monthly Maintenance Fee

  • No

     Interest Bearing
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Key Advantage Checking®

Earn interest and avoid fees

  • Interest bearing
  • Discounts on checks
Rates & Fees

  • $183

    Waivable Monthly Maintenance Fee

  • Yes

    Interest Bearing
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Key Privilege Checking®

Preferred pricing and great benefits

  • Relationship rates and discounts
  • Automatic daily sweeps to savings
Rates & Fees

  • $253

    Waivable Monthly Maintenance Fee

  • Yes

     Interest Bearing
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Key Privilege Select Checking®

Financial management and our best standard rate

  • Premium management and investing services
  • Relationship rates and discounts
Rates & Fees

  • $503

    Waivable Monthly Maintenance Fee

  • Yes

     Interest Bearing
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Want to talk to a banker before you decide?

Stop in or call for a 5-10 minute chat with a banker near you. We’ll talk about your current needs and future plans to give you personalized ideas you can start using right away.

Schedule an Appointment

What Other Seniors Say About Key’s Financial Wellness Review

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Covered all aspects of my finances and helped with retirement planning.

Submitted by D

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The program on the system is well thought out and comprehensive while able to be tailored to my personal needs. The gentleman was well prepared and walked me through what I need to consider to be ready for retirement. He listened to my personal situation details and goals and really considered my needs.

Submitted by Nora G

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No surcharge at KeyBank ATMs. No surcharge at Allpoint ATMs when using your KeyBank debit card on an eligible account type. With the exception of the KeyBank Hassle-Free Account®, all clients in KeyBank's personal checking products are eligible for Allpoint when they use their KeyBank Debit Mastercard®. Savings, Business and Hassle-Free accounts are not eligible for Allpoint.

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Subject to terms and conditions in Service Agreement.

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To avoid monthly maintenance service charges...

  • The $18 monthly maintenance fee for the Key Advantage Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $10,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
    • You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the monthly maintenance fee.
    • You are a Key@Work program member and have at least $1,000 in cumulative direct deposits each statement period. If you leave your current employer and direct deposits are discontinued, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated by your new employer.
  • The $25 monthly maintenance fee for the Key Privilege Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $25,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
    • You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the monthly maintenance fee.
    • You are a Key@Work program member and have at least $2,500 in cumulative direct deposits each statement period. If you leave your current employer and direct deposits are discontinued, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated by your new employer.
  • The $50 monthly maintenance fee for the Key Privilege Select Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $100,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement).
    • You are a Key@Work program member and have at least $5,000 in cumulative direct deposits each statement period. If you leave your current employer and direct deposits are discontinued, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated by your new employer.
*

Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. KIS is affiliated with KeyBank National Association (KeyBank).

Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA). KIS and KIA are affiliated with KeyBank National Association (KeyBank).

Investment products made available through KIS are:

NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE • NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

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

KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.