Earn $50 with our most popular checking and savings accounts.

Easy money management starts here – with no monthly fee accounts and great mobile banking.

KeyBank checking and savings accounts are good on their own, and even better together. When you have a KeyBank checking account, we waive the monthly fee for Key Active Saver®, our most popular savings account. Plus, you have everything you need to save more, spend easily and avoid fees.

Fewer fees

With Key Coverage ZoneSM, if your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.

Automatic savings

Use EasyUp® by KeyBank to build up savings or pay down debt without even thinking about it.

Convenient ATMs and branches

Visit us at 950+ branches and 40,000 KeyBank and Allpoint ATMs nationwide.

How to earn your $50.

1. Open Key Smart Checking®
Use offer code: ONSB0922 to open Key Smart Checking online with an opening deposit of at least $100.

2. Open Key Active Saver
Open Key Active Saver with the $10 minimum opening deposit within 30 days of opening your Key Smart Checking account.

3. Enroll in online and mobile banking
Enroll in online and mobile banking within 30 days of opening Key Smart Checking.

4. Collect $50
That’s it! Your $50 will be deposited into your Key Smart Checking account within 60 days of meeting the requirements, if your account is open and not overdrawn.

To get started, open Key Smart Checking®

Use offer code: ONSB0922


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

Next, open Key Active Saver.


Key Active Saver® 

Start saving with just $10.

  • Waive the monthly maintenance fee1
  • Set up automatic savings with EasyUp
Rates & Fees
  • $41

    Waivable Monthly Maintenance Fee
  • $10

    Minimum Opening Deposit
  • Yes2

    Use Account for Overdraft Protection

Frequently Asked Questions

The Key Smart Checking $50 account bonus is only valid for new Key Smart Checking clients. If you are already a primary or secondary holder of a Key checking account or KeyBank Hassle-Free® Account or had one that was opened in the last 12 months, you are ineligible for the bonus. If your Key Smart Checking account is overdrawn, closed, suspended, or otherwise not in good standing at the time we pay out the bonus, you will not receive the bonus.3

If you’re at least 18, you can open your accounts online in about 5 minutes. If you’re under 18, please visit a nearby branch.

To apply for a new checking account online or in a branch, you'll need the following:

  • Your Social Security number
  • One valid form of primary identification (such as a driver’s license, valid passport or government-issued ID with photo and signature)
  • Minimum opening deposit required for this offer

When the checking account application is submitted and approved, you’ll see your account number. You can use your account number to immediately enroll in online and mobile banking.

If you elected to receive a debit card, it will arrive 5-7 days after you make the initial deposit in your checking account. If you elected to receive checks, they will arrive in 10-14 days.

Debit cards look just like credit cards but have a few important differences. A debit card is linked directly to your checking account, so when you make a purchase with it, that amount is deducted from your account. A credit card is treated more like a loan. You have extra time to repay the credit card amount but may be charged interest if it isn’t paid in full, and on time.

A KeyBank debit card can help you keep within your budget to avoid overspending, plus it can be used at ATMs and millions of retailers worldwide that accept Debit Mastercard®. Also, a credit card’s ability to pay for emergencies can bring you peace of mind when you don’t have the funds in your checking account. Debit cards are available with any KeyBank checking account.

Your KeyBank Debit Mastercard® has an embedded chip, which is the latest technology available to keep your information safe. When you check out at a chip enabled point of sale, you may be asked to put in a personal identification number (PIN) to authorize the transaction.

To use EasyUp, you must enroll in online banking and have a KeyBank checking and KeyBank savings account. That way, you can manage EasyUp online or in the app, and easily track the money that's sent from your KeyBank checking account to your KeyBank savings account with each debit card purchase.

You can use EasyUp with any KeyBank checking account and any KeyBank savings or money market account, except for a health savings account (HSA).


The following requirements must be met in order to waive the monthly maintenance fee on each type of savings account listed in the chart above:

The $4.00 monthly maintenance fee for Key Active Saver Account will be waived if the following requirement is met:

  • There is no monthly maintenance fee if you are an owner on a KeyBank consumer checking account (including the KeyBank Hassle-Free Account®), otherwise the fee will be $4.00.

Subject to the terms of the Savings Overdraft Protection Agreement.


Offer available if you haven't had a KeyBank Hassle-Free Account or a KeyBank checking account during the past 12 months as the primary owner. Offer available if 18 and older. Open a Key Smart Checking account with a $100 opening deposit and a Key Active Saver account with a $10 opening deposit and must sign up for online banking all within 30 days of opening the accounts to receive the cash bonus. Employees of KeyBank, its affiliates & subsidiaries are not eligible for this offer. Limit one gift per qualifying accounts. Limit one gift per individual. The gift will be reported on Form 1099-INT. The gift will be deposited within 60 days of meeting requirements. Account early closure fee of $25 applies. Other miscellaneous charges may apply. Accounts overdrawn or closed at time of fulfillment are not eligible for the gift. Normal account service charges and balance requirements apply to the checking accounts. Offer is subject to cancellation without notice and cannot be combined with any other offer. Geographic restrictions apply.