Key Smart Checking®

No monthly fees, no minimum balance, no worries.

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.

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.1 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.2

  • 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.

  • Key Financial Wellness Review®

    If your money had a coach, it would be us. Tell us your goals, and we’ll help you reach them.

Open your account in about 5 minutes.

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

Frequently Asked Questions

Key Smart Checking is available to United States citizens or lawful permanent residents with a U.S. physical address or military address, who are at least 18 years old with a valid Social Security number or Individual Taxpayer Identification Number (ITIN).

Account Overview and Common Fees3

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)

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 send your debit card and checks if you elected to receive those.

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.


Subject to terms and conditions in Service Agreement.


Message and Data rates may apply.


A $10 minimum deposit is required to open this account. 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.