If you’ve got moving on your mind, you’ve got a lot on your mind. Make sure you have a checking account that makes moving easier. When you bank with KeyBank, you get benefits that simplify life’s big changes, and keep you on track with everything else.

How to Qualify for $200

  • Use offer code ONLE0921 to open any of the accounts below online by December 17, 2021.1
  • Make your minimum opening deposit plus one direct deposit of at least $500 within 60 days of opening the account.
  • Expect your $200 to be deposited into your account within 90 days of when you meet the requirements, unless your account is closed or overdrawn.
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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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You must open a Key Smart Checking® Account (this is the basic banking account in NY), Key Advantage® Checking Account, Key Privilege® Checking Account or Key Privilege Select Checking® Account by the expiration date at 11:59 p.m. (ET) and make ONE single KeyBank direct deposit of $500 or more within 60 days after account opening to get $200. Normal account service charges and balance requirements apply to these accounts, including the minimum opening deposit. Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits. Accounts titled as Trust Accounts, Estate and No Access are excluded from eligibility. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT and deposited into your account within 90 days of meeting requirements. 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. Offer not available to individuals who have had a KeyBank checking account or a KeyBank Hassle-Free Account® in the last 12 months. Accounts overdrawn or closed at the time of gift payment are not eligible. Offer is subject to cancellation without notice and cannot be combined with any other offer. KeyBank is not responsible for, and will not honor, promotional offers that appear on non-KeyBank websites or that are not authorized by KeyBank.

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No surcharge at KeyBank ATMs. No surcharge at Allpoint ATMs when using your KeyBank debit card on an eligible account type. With the exception of the KeyBank Hassle-Free Account®, all clients in KeyBank’s personal checking products are eligible for Allpoint when they use their KeyBank Debit Mastercard®. Savings, Business and Hassle-Free accounts are not eligible for Allpoint.

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

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

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Subject to terms and conditions in Service Agreement.

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states.

NMLS# 399797

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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.

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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