If your money had a coach, it'd be us.

Get all the benefits of Key Smart Checking®

no monthly fees

No Monthly Fees

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

branches and atms

40,000 ATMs and Convenient Branches

Bank online, in a branch or at any of our 40,000 Key and Allpoint ATMs.1

move money easy

Move Money Easily

Deposit money by snapping pictures with your phone. Pay friends with Zelle®. Make transfers and pay bills in an instant.2 Even write paper checks.

account alerts

Account Alerts

Set custom alerts so you receive text or email updates about the account information that’s important to you.3

  • Debit Mastercard

    Check out quickly and securely with contactless Tap and Go® technology and all the benefits of Mastercard®.

  • Overdraft Options

    Overdraft Protection lets you link another KeyBank account to your checking account to act as a backup. See your overdraft options.

  • Automatic Savings with EasyUp®

    Make saving as easy as spending with EasyUp. Most people who use EasyUp automatically send more than $400 a year either to a savings account or toward paying a debt.4

Open your account in about 5 minutes.

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

Frequently Asked Questions

Yes. KeyBank checking accounts are FDIC-insured up to at least $250,000.

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. You’re not charged interest or, in most cases, fees. 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. 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 input your personal information number (PIN) to authorize the transaction.

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

  • 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)

If you sign your application electronically, you’ll see your approved account number after submitting your application. You can start to use your new account immediately.

If your online application is approved but requires a physical signature to complete the account setup, you’ll receive a signature card via U.S. mail in 5-10 business days, along with information about both your account and your debit card. You need to return your signed documents and make the initial, opening deposit. Upon receipt of these items, KeyBank will order your debit card and mail your “Check Order” package.

In some cases, you may be asked to provide additional information before a decision can be made. If the application request is declined, you will receive details on the decision.


$0 KeyBank and Allpoint® ATM access nationwide with your KeyBank Debit Mastercard®.


Subject to terms and conditions in Service Agreement.


Message and Data rates may apply.


Subject to the EasyUp Terms of Use.

Community Impact

this bank makes a different kind of change.

Saving & Budgeting

reach your goals and reduce money stress.

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Financial Wellness Center

yep, you have a banker now. Come on in.

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