Open a Key Checking Account. Get [[Offer.premiumCashAmount.asCurrency.0]].*

Use offer code when you apply online.

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Whichever account you choose, you'll get Key's 24/7 customer service, a debit card, and easy to use online and mobile banking - including mobile check deposit.

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Key Advantage Checking®

Earn interest and avoid fees

  • Interest bearing
  • Discounts on checks
Rates & Fees
  • $50

    Minimum Opening Deposit
  • null

    Online Banking with Bill Pay
  • 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
  • $50

    Minimum Opening Deposit
  • Yes

    Online Banking with Bill Pay
  • Yes

    Interest Bearing
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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
  • $50

    Minimum Opening Deposit
  • Yes

    Online Banking with Bill Pay
  • Yes

    Interest Bearing

Offer available online only. Offer available in the following markets ONLY: start.VariantId.eq.DAlaska, Cincinnati, Columbus, Dayton and Toledo OH, Idaho, Indiana (Central and Northern), Maine, Michigan, Philadelphia PA, Utah, Vermont and Portland, OR.end.VariantId.eq.D start.VariantId.eq.EAlaska, Columbus, Dayton and Toledo OH, Northern Indiana, Michigan, Philadelphia PA and Portland OR.end.VariantId.eq.E

Key is not responsible for and will not honor promotional offers that appear on third party websites that are not authorized by KeyBank.

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Open a qualifying KeyBank Checking Account on or before 12/31/2017 01:24, meaning a Key Express Checking® - (this is the basic banking account in New York) - or; Key Advantage® or; Key Privilege® or; Key Privilege Select Checking®; and make ONE single KeyBank direct deposit of $500 at the minimum within 60 days after account opening to get $200. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. 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 90 days of meeting requirements. Offer is available to new bank clients who have not had any type of account with KeyBank within the last 12 months. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Normal account service charges may apply. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No Access are excluded from eligibility. Offer is subject to cancellation without notice and cannot be combined. Offer/coupon code is required and cannot be sold or transferred. Other miscellaneous charges may apply.

Key Express Checking is the basic banking account in New York. Required minimum opening deposit of $50.00.

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To avoid Maintenance Service Charges...

  • As a Key Privilege client, you can avoid the $25 monthly Maintenance Service Charge 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 monthly Maintenance Service Charge.
    3. You are a Key@Work program member and you have direct deposits totaling at least $2,500.00 or more 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 Service Charge until direct deposits are reinstated.
  • To avoid charges for Key Smart Checking® and the KeyBank Hassle-Free Account®, do not close your account within 180 days of account opening, or you will be charged a $25.00 account early closure fee. Other miscellaneous charges apply.
  • To avoid the $50 monthly Maintenance Service Charge 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.
  • To avoid the $18 monthly Maintenance Service Charge 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 Service Charge.
    3. You are a Key@Work program member and you have direct deposits totaling $1,000.00 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 Service Charge until direct deposits are reinstated by your new employer.
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Receive a refund of the first two (2) surcharges from other banks’ ATMs, up to $6 per month, when the withdrawals are made with any KeyBank Debit Mastercard®. The refunds do not apply when the withdrawals are made with a KeyBank ATM Card. The surcharge refund will be credited monthly to your account and will be reflected on your account statement. Transactions eligible for reimbursement will begin with those made no later than 60 days after qualifications have been met. If you close your account, you will not be refunded for other banks’ surcharges assessed for cash withdrawal(s) you made at other banks’ ATMs during the period between your last account statement cycle date and your account closing date.

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Key Privilege Select Checking® account holders with a debit card will receive a refund of other bank’s ATM cash withdrawal surcharges when the withdrawals are made with any KeyBank Debit Mastercard®. The refunds do not apply when the withdrawals are made with a KeyBank ATM Card. The surcharge refund will be credited monthly to your Key Privilege Select Checking account and will be reflected on your Account statement. Transactions eligible for reimbursement will begin with those made no later than 60 days after qualifications have been met. If you close your Account, you will not be refunded for other bank’s surcharges assessed for cash withdrawal(s) you made at other bank’s ATMs during the period between your last Account statement cycle date and your Account closing date.

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