Offer is available to new bank clients who have not had a KeyBank Hassle-Free Account^® or any type of checking account with KeyBank within the last 12 months.

Open a Key Smart Checking^®, Key Advantage Checking^®, Key Privilege Checking^®, or Key Privilege Select Checking^® account by and make ONE SINGLE direct deposit of at least $500 within 60 days of account opening to receive a Fan Kit. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Use offer code: .

Accounts titled as Trust Accounts, Estate, and No Access are excluded from eligibility. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer.

Offer available only in Buffalo, NY, and Rochester, NY. Offer code required to redeem this offer. Limit one gift per qualifying account. Limit one gift per individual. The gift will be reported on form 1099-INT. The gift will be delivered within 90 days of meeting requirements if the account is open and not overdrawn.

By accepting this offer, you consent to the sharing of your name and address with our third-party fulfillment vendor for the purpose of mailing a Fan Kit to you upon meeting requirements. A valid US Postal Service address is required. No P.O. Box addresses will be accepted. Signature will be required at time of delivery of the Fan Kit.

If you close your account within 180 days of Account opening, you will be charged a $25 Account early closure fee.

Other miscellaneous charges may apply. Accounts overdrawn or closed at time of fulfillment are not eligible for the gift. Normal account service charges and balance requirements apply to the checking accounts.

If Fan Kit items offered become unavailable, KeyBank reserves the right to replace them with an item of equal or greater value and/or substitute a cash premium equal to the retail value of the kit. The retail value of the Fan Kit is $200.

The minimum opening deposit for Key Smart Checking is $10. The minimum opening deposit for Key Advantage, Key Privilege and Key Privilege Select is $50.

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 or more 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.

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

Investment and insurance products made available through KIS and KIA are:

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

Key.com is a federally registered service mark of KeyCorp.