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.
Set custom alerts so you receive text or email updates about the account information that’s important to you.2
Check out quickly and securely with contactless Tap and Go® technology and all the benefits of Mastercard.
Overdraft Protection lets you link another KeyBank account to your checking account to act as a backup. See your overdraft options.
If your money had a coach, it would be us. Tell us your goals, and we’ll help you reach them.
You’ll need your current ID and an opening deposit of at least $10.
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).
To apply for a new checking account, you'll need the following:
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.
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.