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Earn higher interest rates, more cashback, loan discounts, and more — it all starts with a KeyBank checking account. Get details.
Get all the convenient features of KeyBank checking accounts.
Visit us at any of our convenient branches and 40,000 KeyBank ATMs and Allpoint® ATMs nationwide. Find a location.
Enjoy chip security, Tap & Go technology, and all the benefits of Mastercard.
Link your checking account to an eligible credit or savings account to cover overdrafts automatically without a transfer fee.
To apply for a KeyBank checking account, you'll need the following:
Applying online is right for you if you're:
Don't qualify? That's OK. We may be able to help you apply at a local branch instead.
Once your KeyBank checking account application is submitted and approved, you’ll receive a confirmation message that includes your account number. You can use your account number to immediately enroll in online and mobile banking.
If you chose to receive a debit card, it will arrive 5 – 7 days after you make the required minimum opening deposit to your checking account. If you chose to receive checks, they’ll arrive in 10 – 14 days. The minimum opening deposit is required in order for checks to be mailed and to receive a debit card.
It’s secure and convenient to move your direct deposit into your KeyBank account with your account and routing number. Both are available in online and mobile banking, and you can enroll as soon as your new account is open.
To set up direct deposit online, sign on to online or mobile banking, go to Manage Direct Deposits, and follow the prompts.
It’s also possible to set up direct deposit with methods used by your employer or other payment provider or with KeyBank online forms. For more information, visit setting up direct deposit.
It’s fast and easy to order checks from KeyBank online and mobile banking, in any KeyBank branch, or with your routing and account number, directly from our preferred vendor, Harland Clarke9 online or at 1-800-355-8123, or dial 711 for TTY/TRS.
This offer is redeemable online only; however, if you are a non-resident, you must open your account in a KeyBank branch. Valid Social Security Number or Taxpayer Identification Number and U.S. address required to qualify for promotion. You must open a Key Smart Checking® Account between 11/4/26 and 12/11/26 at 11:59 p.m. EST and make a total of $2,000 or more in eligible direct deposits within 90 days of account opening to get $300. Eligible direct deposits 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 not direct deposits and will not qualify toward the direct deposit requirement for this offer. The minimum opening deposit for Key Smart Checking is $10. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer. Limit one account-opening gift per qualifying account. Limit one account opening gift per individual. The value of your gift will be reported on Form 1099-INT and deposited into your account within 60 days of meeting requirements. Offer not available to individuals who were a primary account owner of a KeyBank personal checking account in the last 12 months. Account must not be closed at the time of gift payment. Offer is subject to cancellation without notice. Geographic restrictions apply and account opening is subject to approval. Promotional offers in branch may differ from those visible online.
This offer is redeemable online only; however, if you are a non-resident, you must open your account in a KeyBank branch. Valid Social Security Number or Taxpayer Identification Number and US address required to qualify for promotion. You must open a Key Select Checking® Account between 11/4/26 and 12/11/26 at 11:59 p.m. EST and make a total of $5,000 or more in eligible direct deposits within 90 days of account opening to get $500. Eligible direct deposits 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. The minimum opening deposit for Key Select Checking is $50. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer. Limit one account-opening gift per qualifying account. Limit one account opening gift per individual. The value of your gift will be reported on Form 1099-INT and deposited into your account within 60 days of meeting requirements. Offer not available to individuals who were a primary account owner of a KeyBank personal checking account in the last 12 months. Account must not be closed at the time of gift payment. Offer is subject to cancellation without notice. Geographic restrictions apply and account opening is subject to approval. Promotional offers in branch may differ from those visible online.
Key Select Checking Account is an interest-bearing account. Annual Percentage Yields (APY) are accurate as of , 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
$100 BONUS
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.
$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:
OR
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:
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.
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.
Subject to terms and conditions in Service Agreement.
Message and Data rates may apply from your wireless carrier.
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 accounts Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.
KeyCorp is not affiliated with, maintained by, or in any way officially connected with Harland Clarke or any of its business units.
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.
KeyBank Member FDIC
