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It’s never too early to build strong financial habits. Our student checking account helps students save, write checks, pay bills and use ATMs, all with low fees and great benefits like a debit card and secure online and mobile banking.


Minimum Opening Deposit


Interest Bearing


Monthly Maintenance Service Charge


Fee Charged by KeyBank for Using Non-KeyBank ATMs

Reimbursement of non-Key ATM surcharges, up to $6 monthly2


  • Available to students ages 16 to 24, who are high school juniors or seniors or are enrolled in post-high school education.3
  • Each month, make at least 5 posted transactions, or deposit at least $200 to waive the monthly maintenance fee. 1
  • Use online and mobile banking to transfer between KeyBank accounts, pay bills or make mobile deposits.
  • KeyBank Debit Mastercard® with chip security.
  • Link this account to your KeyBank savings account to set up zero-fee overdraft protection transfers.
  • Plus, use our financial wellness tool to keep forming better financial habits, set goals and celebrate successes.

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.


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