Compare Checking Accounts

It might be time for a smarter checking account

Find a checking account that checks all your boxes. An easy way to set up automatic savings: Check, Overdraft protection from a linked savings account with no transfer fee1: Check. Access to 1,100 branches and more than 40,000 ATMs nationwide: Check. Compare our checking accounts and open yours online in minutes.

More KeyBank Checking Accounts

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Key Smart Checking®

Simple checking account with no monthly maintenance fee

  • No monthly maintenance fee, no minimum balance
  • Paper checks and every digital feature
Rates & Fees
  • $0

    Monthly Maintenance Fee

  • No

    Interest Bearing
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Key Advantage Checking®

Earn interest and avoid fees

  • Interest bearing
  • Discounts on checks
Rates & Fees
  • $183

    Waivable Monthly Maintenance Fee

  • Yes

    Interest Bearing

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Key Privilege Checking®

Preferred pricing and great benefits

  • Relationship rates and discounts
  • Automatic daily sweeps to savings
Rates & Fees
  • $253

    Waivable Monthly Maintenance Fee

  • Yes

    Interest Bearing
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Key Privilege Select Checking®

Financial management and our best standard rate

  • Premium management and investing services
  • Relationship rates and discounts
Rates & Fees
  • $503

    Waivable Monthly Maintenance Fee

  • Yes

    Interest Bearing
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KeyBank Hassle-Free Account®

Checkless account with no monthly maintenance fees

  • No monthly maintenance fees, no minimum balance
Rates & Fees
  • $0

    Monthly Maintenance Fee

  • No

    Interest Bearing

Why Bank With Key

  • EasyUp

    Save a little, every timeyou make a debit card purchases with EasyUp automatic savings

  • KeyBank Debit Mastercard

    Enjoy chip security, Tap & Go technology and all benefits of Mastercard

  • Secure online & mobile banking

    Deposit checks in the mobile app, pay bills, send money to friends and family and more2

  • Convenient locations

    Visit us at any one of our 1,000 branches and 40,000 KeyBank ATMs and Allpoint ATMs nationwide when you use your KeyBank Debit Mastercard

  • Overdraft Protection

    Link your eligible checking and savings accounts to automatically cover overdrafts without a transfer fee when you have available funds in your savings account.

  • Mobile check deposit

    Use the mobile app and the camera on your smartphone or tablet to deposit checks directly into your account2

  • Account alerts

    Set custom alerts so you can receive text or email updates about the account information that's important to you4

Online Banking

do all your banking securely online. it’s easy to start.

Woman mobile banking

Checking

see all the fees, so you can avoid them.

woman on laptop

Financial Wellness

a 30-minute chat with a banker can help you reach your goals.

women shaking hands
1

This service is not available with KeyBank Hassle-Free Account®. Credit Products interest charges on balances will apply.

2

Subject to terms and conditions in Service Agreement.

3

To avoid monthly maintenance service charges...

  • The $18 monthly maintenance fee for the Key Advantage Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $10,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
    • You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. 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.
    • You are a Key@Work program member and have at least $1,000 in cumulative direct deposits each statement period. 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.
  • The $25 monthly maintenance fee for the Key Privilege Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $25,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement), credit cards, loans, and lines of credit.
    • You have a mortgage originated through KeyBank and you have an ACH automatic payment deduction plan deducting $500 or more from this account during a statement period. 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.
    • You are a Key@Work program member and have at least $2,500 in cumulative direct deposits each statement period. 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.
  • The $50 monthly maintenance fee for the Key Privilege Select Checking® Account can be avoided if one of the following requirements is met in a statement period:
    • Maintain a minimum of $100,000 in any combination of checking, savings, CDs, retirement deposits, investments* (including annuity balances reflected on your Key Investment Services LLC (KIS) account statement).
    • You are a Key@Work program member and have at least $5,000 in cumulative direct deposits each statement period. 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.
*

Investment products are 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:

NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

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

4

Message and Data rates may apply.

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

call us

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Go

Find a Branch or ATM

call us

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now