Earn $200 and all the benefits of Key Smart Checking

No Monthly Fees

Forget maintenance fees, minimum balance fees and fees for not making enough transactions. They’re not part of this account.

40,000 ATMs and Convenient Branches

Bank online, in a branch or at any of our 40,000 Key and Allpoint ATMs.

Move Money Easily

Deposit money by snapping pictures with your phone. Pay friends with Zelle®. Make transfers and pay bills in an instant.1 Even write paper checks.

Account Alerts

Set custom alerts so you receive text or email updates about the account information that’s important to you.2

Qualify for your $200.3

  • Use code to open your Key Smart Checking® account online by .
  • Make ONE direct deposit of at least $500 within 60 days of account opening.
  • Your $200 will be deposited into your account within 90 days of when you meet the requirements, as long as your account is open and not overdrawn.

Open your account in about 5 minutes.

You’ll need your current ID and an opening deposit of at least $10.

Key Smart Checking is available to U.S. citizens or lawful permanent residents with a physical address in Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, or Washington who are at least 18 years old with a valid Social Security number or Individual Taxpayer Identification Number (ITIN).

Account Overview and Common Fees

Monthly Maintenance Fee $0
Minimum Balance Requirement $0
Transaction Minimum $0
Minimum Opening Deposit $10
Paper Checks Yes
Account Fee Details  

To apply for a new checking account, you'll need the following:

  • Your Social Security number
  • One valid form of primary identification (driver’s license, valid passport, government-issued ID with photo and signature)
  • Minimum required opening deposit (amount varies depending on type of account)

When the checking account application is submitted and approved, you’ll see your account number. You can use your account number to immediately enroll in online and mobile banking.

If you elected to receive a debit card, it will arrive 5-7 days after you make the initial deposit in your checking account. If you elected to receive checks, they will arrive in 10-14 days.

It’s simple: Open a Key Smart Checking account, then either complete the correct form on our Direct Deposit page and give it to your employer or other entity that sends you checks; or use the form that they provide. If your employer or other check provider prefer that you use their form, you can easily find your account number and routing number for the form by signing in to your Key Smart Checking account in online or mobile banking.

Debit cards look just like credit cards, but have a few important differences. A debit card is linked directly to your checking account, so when you make a purchase with it, that amount is deducted from your account. A credit card is treated more like a loan. You have extra time to repay the credit card amount, but may be charged interest if it isn’t paid in full, and on time.

A KeyBank debit card can help you keep within your budget to avoid overspending, plus it can be used at ATMs and millions of retailers worldwide that accept Debit Mastercard®. Also, a credit card’s ability to pay for emergencies can bring you peace of mind, when you don’t have the funds in your checking account. Debit cards are available with any KeyBank checking account.

Your KeyBank Debit Mastercard has an embedded chip, which is the latest technology available to keep your information safe. When you check out at a chip enabled point of sale, you may be asked to put in a personal identification number (PIN) to authorize the transaction.

Offer redeemable online only.


Subject to terms and conditions in Service Agreement.


Message and Data rates may apply.


You must open a Key Smart Checking® Account (this is the basic banking account in NY) by the expiration date at 11:59 p.m. (ET) and make ONE single KeyBank direct deposit of $500 or more within 60 days after account opening to get $200. Normal account service charges and balance requirements apply to these accounts, including the minimum opening deposit of $10. Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits. 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. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT and deposited into your account within 90 days of meeting requirements. 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. Offer not available to individuals who have had a KeyBank checking account or a KeyBank Hassle-Free Account® in the last 12 months. Accounts overdrawn or closed at the time of gift payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other offer. KeyBank is not responsible for, and will not honor, promotional offers that appear on non-KeyBank websites or that are not authorized by KeyBank. Offer not available in Nebraska, Nevada, New Hampshire, and Wyoming.

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