Take the next step on your financial wellness journey.
Whether you're building your financial foundation or growing your wealth, we've got checking accounts designed to meet you where you are. Smart tools. Helpful features. Real support. All built to help you make real progress toward your goals. Let's get started.
$0
Monthly Maintenance Fee
No
Interest Bearing$252
Waivable Monthly Maintenance Fee
Yes
Interest Bearing$0
Monthly Maintenance Fee
No
Interest BearingSee the rewarding benefits of banking with Key.
With Early Pay, your payday could come up to two days sooner. No cost, no fees.
Use EasyUp to build up savings or pay down debt without even thinking about it.
If your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.
Set custom account alerts so you can receive text or email updates about the account information that's important to you.
Get all the convenient features of KeyBank checking accounts.
Deposit checks in the mobile app with the option to get your money immediately,9 pay bills, send money to friends and family and more.
Visit us at any of our branches and KeyBank ATMs. And with a qualified Key checking account, visit any of the 40,000+ no-fee10 Allpoint® ATMs nationwide. Find a location.
Link your checking account to an eligible credit or savings account to automatically cover overdrafts without a transfer fee.
Enjoy chip security, Tap & Go technology, and all the benefits of Mastercard.
Earn higher interest rates, more cashback, loan discounts, and more — it all starts with a KeyBank checking account. Learn more about relationship benefits.
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.
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 Smart Checking® Account by 5/22/26 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 ineligible direct deposits. 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.
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 by 5/22/26 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.
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.
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.
Message and Data rates may apply from your wireless carrier.
Subject to terms and conditions in Service Agreement.
Immediate Funds℠ is available in the KeyBank mobile app as an option for eligible mobile check deposits. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2.
Immediate Funds requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy.
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.
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
See the rewarding benefits of banking with Key.
Use EasyUp to build up savings or pay down debt without even thinking about it.
Link your checking account to an eligible credit or savings account to cover overdrafts automatically without a transfer fee.
Set custom account alerts so you can receive text or email updates about the account information that's important to you.
Deposit checks in the mobile app with the option to get your money immediately,7 pay bills, send money to friends and family and more.
Visit us at any of our branches and 40,000 KeyBank and Allpoint ATMs nationwide. Find a location.
Earn higher interest rates, more cashback, loan discounts, and more — it all starts with a KeyBank checking account. Learn more about relationship benefits.
The $4.00 monthly maintenance fee for Key Active Saver Account will be waived if the following requirement is met:
The $20.00 monthly maintenance fee for Key Select Money Market Savings Account® will be waived for any month when the client meets one of the following requirements:
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 account's Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.
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 Smart Checking® Account by 5/22/26 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 ineligible direct deposits. 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.
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 by 5/22/26 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.
Message and Data rates may apply.
Subject to terms and conditions in Service Agreement.
Immediate Funds℠ is available in the KeyBank mobile app and will only appear as an option for eligible mobile check deposits. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2.
Immediate Funds requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy.
KeyBank Member FDIC
$0
Monthly Maintenance Fee
$0
Minimum Opening DepositNo2
Use Account for Overdraft ProtectionSee the rewarding benefits of banking with Key.
Use EasyUp to build up savings or pay down debt without even thinking about it.
Link your checking account to an eligible credit or savings account to cover overdrafts automatically without a transfer fee.
Set custom account alerts so you can receive text or email updates about the account information that's important to you.
Deposit checks in the mobile app with the option to get your money immediately,7 pay bills, send money to friends and family and more.
Visit us at any of our branches and 40,000 KeyBank and Allpoint ATMs nationwide. Find a location.
Earn higher interest rates, more cashback, loan discounts, and more — it all starts with a KeyBank checking account. Learn more about relationship benefits.
Consult a tax advisor regarding tax benefits.
See IRS Publication 502 for a detailed list of qualified medical expenses.
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 account's Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.
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 Smart Checking® Account by 5/22/26 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 ineligible direct deposits. 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.
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 by 5/22/26 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.
Message and Data rates may apply.
Subject to terms and conditions in Service Agreement.
Immediate Funds℠ is available in the KeyBank mobile app and will only appear as an option for eligible mobile check deposits. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2.
Immediate Funds requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy.
KeyBank Member FDIC