Sign On
  • Online Banking
    Sign On Form is Loading

Think of it as money management 101. Our student checking account has all the digital features and extras to help students track their money and stay on top of their goals.


Waivable Monthly Service Fee

$5 or $01

Minimum Balance Requirement


ATM Fee Rebates

$6 for fees charged by out-of-network ATMs2

Minimum Opening Deposit


Features and Benefits

Built for students ages 16 to 24, this account has all the basics they need to build strong money habits, plus an option for guardians to have joint account access to help them along.3

Waive the monthly service fee
No fee for each month you use your account at least five times or deposit at least $200.1

Convenient account access
Access your money with paper checks, a KeyBank Debit Mastercard®, in online and mobile banking, and at KeyBank branches and ATMs.

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®.


Each statement cycle, you will be required to have at least five (5) customer initiated posted transactions (ANY deposits, withdrawals, including transfers) on your Key Student Checking Account or have deposits (including transfers into this Account) totaling $200.00 or more credited to your Key Student Checking Account. If you do not meet one of these requirements a $5.00 monthly Maintenance Service Charge will be assessed.


Key Student Checking account holders will receive a refund of the first two (2) ATM surcharges, up to $6 per month, of other bank’s ATM cash withdrawal surcharges when the withdrawals are made with any KeyBank Debit Mastercard®. The refunds do not apply when the withdrawals are made with a KeyBank ATM Card. The surcharge refund will be credited monthly to your Key Student Checking Account and will be reflected on your Account statement. Transactions eligible for reimbursement will begin with those made no later than 60 days after qualifications have been met. If you close your Account, you will not be refunded for other bank’s surcharges assessed for cash withdrawal(s) you made at other bank’s ATMs during the period between your last Account statement cycle date and your Account closing date.


Client must be at least 16 years of age and either a high school junior or senior or enrolled in a post-high school educational curriculum to open this account. Clients age 16-17 are required to have a parent/guardian as joint owner on the account and both account owners must sign an additional Supplemental Agreement. Clients age 16-17 must open an account in person at a branch. This account will become Key’s basic banking account (currently Key Express Checking) one statement cycle following the student’s 24th birthday or a maximum of four years from account opening date, whichever comes later. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee.

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

Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.


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:

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Find a Branch or ATM