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Your checking account should get you where you want to be. It’s your account and you should be in control. That’s why we give you choices with a range of options, from interest-bearing accounts to free checking — like our Key Smart Checking®.2 Here, there’s nothing standing between you and how you want to spend your money.

Benefits with Every Checking Account

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KeyBank Debit Mastercard®

With chip security, Tap & Go® technology and all the benefits of Mastercard®.

Secure Online & Mobile Banking

Deposit checks in the mobile app,4 pay bills, send money to friends and family and more.

Convenient Locations

Visit 1,100 branches and 40,000 KeyBank and Allpoint ATMs nationwide, often without a surcharge.5

Open Your Account Today

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Compare Checking Accounts

Open online in minutes.

Get more from your checking account, every day. KeyBank checking accounts give you secure online and mobile banking with mobile check deposit, a KeyBank Debit Mastercard® with chip security, and access to more than 1,400 KeyBank ATMs and 1,100 branches. So you always have what you need, when you need it.

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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

Schedule an Appointment

  • $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

Schedule an Appointment

  • $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

Schedule an Appointment

  • $253

    Waivable Monthly Maintenance Fee

  • Yes

     Interest Bearing
Open Now Learn More
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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

Schedule an Appointment

  • $503

    Waivable Monthly Maintenance Fee

  • Yes

     Interest Bearing
Open Now Learn More

Key Smart Checking is the basic banking account in New York. For all accounts, other miscellaneous charges apply. If you close your account within 180 days of account opening, you will be charged a $25.00 account early closure fee.

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A $10 minimum deposit is required to open this account. There is no monthly maintenance fee for this account. Other fees may apply.

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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 Maintenance Service Charges...

  • To avoid the $18 monthly maintenance fee for Key Advantage Checking® Account, meet any of the following requirements:
    1. Any combination of balances from your KeyBank checking, savings deposit, certificates of deposit, retirement deposits, investment* (including annuity balances reflected on your KIS account statement) and credit accounts was $10,000.00 or more.
    2. You have a KeyBank originated mortgage and you have automatic payment deducted via ACH deducting $500.00 or more from your Key Advantage Checking account during a statement cycle. 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.
    3. You are a Key@Work® program member and you have direct deposits totaling $1000.00 or more credited to your Key Advantage Checking account during a statement cycle. 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.
  • As a Key Privilege client, you can avoid the $25 monthly maintenance fee if:
    1. You maintain a combined balance of $25,000 or more in any combination of deposit, investment* and credit accounts.
    2. You have a mortgage originated through KeyBank and you have an automatic payment deduction plan via ACH deducting $500 or more from your Key Privilege Checking Account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the maintenance fees.
    3. You are a Key@Work program member and you have direct deposits totaling at least $2,500.00 credited to this Account during a statement period. If you leave your current employer and direct deposits stop, you may be subject to the combined balance requirement to avoid the monthly maintenance fee until direct deposits are reinstated.
  • To avoid the $50 monthly maintenance fee for Key Privilege Select Checking® Account, you must maintain a minimum of $100,000 in combined relationship balances (sweep investment, deposits and investment* [including annuity balances reflected on your KIS account statement]) each statement cycle OR be a Key@Work program member and have a total of at least $5,000 in direct deposits each statement cycle credited to this Account.
*

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.