compare checking accounts and earn $300* with Key Smart Checking®.
To earn $300*, open a Key Smart Checking® account and meet requirements.
Choose a checking account that checks all your boxes. Get paid up to two days sooner with Early Pay.3 Set up automatic savings with EasyUp®. Bank conveniently — online, in the app or at our branches and ATMs.4,5 Compare our checking accounts and open yours online in minutes.
Key Smart Checking®
No monthly maintenance fees and, now for limited time, a $300* bonus. Must make a total of $2,000 or more in eligible direct deposits* within 90 days of account opening. Check offer details.
More KeyBank Checking Accounts
- No monthly maintenance fee, no minimum balance
- Paper checks and every digital feature
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$0
Monthly Maintenance Fee
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No
Interest Bearing
- Earn $100 year after year with qualified direct deposits
- Interest compounded daily
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$252
Waivable Monthly Maintenance Fee
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Yes
Interest Bearing
- No monthly maintenance fee, no minimum balance
-
$0
Monthly Maintenance Fee
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No
Interest Bearing
Checking accounts that put you in control of your money.
See the rewarding benefits of banking with Key.
Now Featuring Early Pay3
With Early Pay, your payday could come up to two days sooner. No cost, no fees.
EasyUp®, Automatic Savings
Use EasyUp to build up savings or pay down debt without even thinking about it.
Key Coverage Zone®6
If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
Account Alerts5
Set custom account alerts so you can receive text or email updates about the account information that's important to you.
Easy, everyday banking with everything you need.
Get all the convenient features of KeyBank checking accounts.
- Secure Online and Mobile Banking4,5
Deposit checks in the mobile app with the option to get your money immediately,7 pay bills, send money to friends and family and more.
- Convenient Branches and ATMs
Visit us at any of our branches and 40,000 KeyBank and Allpoint® ATMs nationwide. Find a location.
- Overdraft Protection6
Link your checking account to an eligible credit or savings account to automatically cover overdrafts without a transfer fee.
- KeyBank Debit Mastercard®
Enjoy chip security, Tap & Go technology, and all the benefits of Mastercard.
- Relationship Rates and Benefits
Earn higher interest rates, more cashback, loan discounts, and more — it all starts with a KeyBank checking account. Learn more about relationship benefits.
Earn 3.50% interest rate (2.03% blended APY*) for 6 months.
Rate available with Key Select Money Market Savings® balances of $25,000 to $1,999,999.99 with an increase in total relationship balances or total liquid deposit balance of at least $25,000.
Rates based on 43230 ZIP code |Currently viewing rate & fee information for 43230. Use this form to get information for a different zip code.
Frequently Asked Questions About Personal Checking Accounts
1
Key Select Checking Account is an interest-bearing account. Annual Percentage Yields (APY) are accurate as of July 11, 2025, for zip code 44114. 0.05% APY applies to balances of $0.00-$2,499.99, 0.05% APY on balances $2,500-$4,999.99, 0.05% APY on balances $5,000-$9,999.99, 0.05% APY on balances $10,000-$24,999.99, 0.05% APY on balances $25,000-$49,999.99, 0.05% APY on balances $50,000-$99,999.99, 0.05% APY on balances $100,000-$249,999.99, 0.05% APY on balances $250,000-$499,999.99, 0.05% APY on balances $500,000-$999,999.99, 0.05% APY on balances $1,000,000 and above. Key Select Checking Account is a variable rate account, rates may vary. Rates and terms may change at the bank’s discretion. Minimum balance to open this account is $50. Fees may reduce earnings.
EVALUATION PERIOD DEFINITIONS
- New Key Select Checking Account: Your account will be reviewed for eligible deposits during the 12 calendar months following the first calendar day of the second full month after account opening.
$100 BONUS
- Direct Deposits: To qualify for the $100 bonus, ALL of the following three requirements must be met. Eligible direct deposits:
- Must total at least $60,000 during the Evaluation Period.
- Are electronic automated clearing house (ACH) deposits. Examples of eligible direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, ATM, or the KeyBank mobile app are ineligible direct deposits.
- At least one eligible direct deposit transaction (in any amount) must be received within the final two calendar months at the end of the Evaluation Period.
Your account will be reviewed at the end of each Evaluation Period for cash bonus eligibility. Eligibility is based on cumulative direct deposits in the preceding Evaluation Period. Your $100 bonus will be reported to the IRS on Form 1099-INT. Your $100 bonus will be deposited into your checking account within 30 calendar days after the Evaluation Period has expired. If your account is converted into an account type other than a Key Select Checking Account during the Evaluation Period, progress toward the cash bonus is forfeited. Accounts that are closed or in a legally dormant status (legally dormant status is determined by applicable state law) at the end of the Evaluation Period or at the time of the bonus payout are not eligible for the bonus payment.
2
$25 monthly maintenance fee (waived for the first 3 months). After the three (3) month grace period the monthly maintenance fee can be avoided if either of the requirements are met in a statement cycle:
- The combined balance in any combination of KeyBank checking, savings, certificates of deposit, retirement deposit, and Key Investment Services LLC (KIS) accounts was $15,000 or more during the statement cycle.
OR
- You have eligible direct deposits totaling at least $3,000 during each statement cycle.
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 non-bank affiliates of KeyBank National Association (KeyBank).
Non-Deposit products 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.
3
Early Pay is a service included with your KeyBank consumer deposit account in which KeyBank makes your eligible direct deposits available up to two business days early. Eligible direct deposits include certain transactions such as payroll, government benefits, or similar types of payments. The Early Pay service is dependent on when KeyBank receives information from the payer that the funds are on the way, this could vary, and you may not always receive your funds early. You cannot opt out of Early Pay.
4
Subject to terms and conditions in Service Agreement.
5
Message and Data rates may apply from your wireless carrier.
6
Overdraft Item Charges are $20 per item. Charges apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft charges will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in authorizing Key to pay these items into overdraft and assess a charge. You agree to pay us the full amount of any overdraft on your Account immediately upon demand, together with any additional charges we assess. KeyBank’s approval of overdrafts is a discretionary courtesy. For Consumer accounts: No charges will be assessed when the account is overdrawn twenty ($20) dollars or less at the end of the day. Overdraft charges are assessed on up to three (3) items per day, with the maximum not to exceed $60 per day per account. Overdraft charges may not post on the same day as the transaction which triggers the fee(s). There is a cap of 20 assessed overdraft charges within a monthly statement period. If at the end of the day your account’s overdrawn available balance is more than $20 for 5 consecutive business days, an additional $20 Recurring Overdraft Service Charge will be assessed. See your account's Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.
7
Immediate Funds℠ is available in the KeyBank mobile app as an option for eligible mobile check deposits. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2.
Immediate Funds requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy.
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.
The issuer of this debit card is KeyBank N.A. pursuant to a license from Mastercard International Incorporated. Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
