get a qualifying checking account that gets you, plus $400.¹

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 direct deposit of $500 or more within 60 days after account opening to get $400. Normal account service charges and balance requirements apply to these accounts, including the $10 minimum opening deposit of a Key Smart Checking account, or the $50 minimum opening deposits of a Key Advantage Checking account, Key Privilege Checking account or Key Privilege Select Checking account. 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. You must have received a personalized offer/coupon/promotional code directly from KeyBank via mail or email and enter an offer/reservation code at the time of account opening to qualify. 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 60 days of meeting requirements. 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 any time prior to receipt of gift payment are not eligible. 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 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. Some eligible checking accounts are interest bearing; for current balance tiers and rates, please call 1-866-821-9154 or visit key.com/comparechecking. Geographic restrictions apply and account opening is subject to approval.

A $10 minimum deposit is required to open a Key Smart Checking^® account. There is no monthly maintenance fee for the Key Smart Checking^® account. Other fees may apply.

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.

Anyone can download, but you must be enrolled in online banking to use the mobile app. Mobile deposit is available on certain devices. Message and data rates apply. See key.com/mobiledeposit for details.

Other fees may apply. Please see account disclosures for more details. Surcharges will be assessed to KeyBank customers who access Allpoint ATMs with Debit Cards associated to business accounts, KeyBank Hassle-Free Accounts, health savings accounts, or using an ATM card.

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:

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.

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

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.