maybe it's time to retire your bank, too.

Get a bank that has your back.

If you've got retirement on your mind, you've got a lot on your mind. Make sure you have a checking account that makes banking easier. When you bank with KeyBank, you get benefits that simplify life's big changes and keep you on track with everything else.

monthly fees

Skip the Monthly Fees

Open a checking account with no 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 retirement takes you.2

1of4

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

Schedule an Appointment
  • No

    Interest Bearing
2of4

Key Advantage Checking®

Earn interest and avoid fees

  • Interest bearing
  • Discounts on checks
Rates & Fees
  • Yes

    Interest Bearing

3of4

Key Privilege Checking®

Preferred pricing and great benefits

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

    Interest Bearing
4of4

Key Privilege Select Checking®

Financial management and our best standard rate

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

    Interest Bearing


Want to talk to a banker before you decide?

Stop in or call for a 30-minute chat with a banker near you. We can talk about your retirement, accounts and goals to give you personalized ideas you can start using right away.
 


What Other Retirees Say About Key's Financial Wellness Review

retirement
1

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.

2

Subject to terms and conditions in Service Agreement.

3

To avoid Maintenance Service Charges...

  • To avoid the $18 monthly maintenance fee for Key Advantage Checking® Account, meet any of the following requirements:
    1. Any combination of balances from your KeyBank checking, savings deposit, certificates of deposit, retirement deposits, investment* (including annuity balances reflected on your KIS account statement) and credit accounts was $10,000.00 or more.
    2. You have a KeyBank originated mortgage and you have automatic payment deducted via ACH deducting $500.00 or more from your Key Advantage Checking account during a statement cycle. 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.
    3. You are a Key@Work® program member and you have direct deposits totaling $1000.00 or more credited to your Key Advantage Checking account during a statement cycle. 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.
  • As a Key Privilege client, you can avoid the $25 monthly maintenance fee if:
    1. You maintain a combined balance of $25,000 or more in any combination of deposit, investment* and credit accounts.
    2. You have a mortgage originated through KeyBank and you have an automatic payment deduction plan via ACH deducting $500 or more from your Key Privilege Checking Account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the maintenance fees.
    3. You are a Key@Work program member and you have direct deposits totaling at least $2,500.00 credited to this Account during a statement period. If you leave your current employer and direct deposits stop, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated.
  • To avoid the $50 monthly maintenance fee for Key Privilege Select Checking® Account, you must maintain a minimum of $100,000 in combined relationship balances (sweep investment, deposits and investment* [including annuity balances reflected on your KIS account statement]) each statement cycle OR be a Key@Work program member and have a total of at least $5,000 in direct deposits each statement cycle credited to this Account.
*

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.