Earn interest with a premium checking account.

Earn interest with a premium checking account.

Get $300 for switching

Earn interest with a premium checking account.
Get $300 for switching

Use offer code: OASP0218

Earn interest with a premium checking account.
Get $300 for switching

Use offer code: OASP0218

Welcome to the neighborhood!

It’s easy to make financial progress with an interest-bearing checking account.

  • Earn interest on your checking account.
  • Get preferred pricing on other products and services.
  • Manage your money anywhere, anytime with the KeyBank mobile app and online banking – deposit checks on the go, transfer money, pay bills, and more. Even pay friends and family with KeyBank and Zelle®.
  • Access more than 1,500 ATMs and 1,200 branches nationwide.
  • Plus our Financial Wellness Tool to help you keep forming better financial habits, set goals, and take small steps toward making financial progress.

Compare Checking Accounts

Open your checking account online in minutes.

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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.ECleveland, OH, Akron/Canton, OH, Pittsburgh, PA, Hartford, PA, New Haven, CT, Seattle, WA, Denver, CO, Albany, NY, Syracuse, NY, Rochester, NY and Buffalo, NY.end.VariantId.eq.E start.VariantId.eq.FCleveland, OH, Akron/Canton, OH, Pittsburgh, PA, Hartford, CT, New Haven, CT, Seattle, WA, Denver, CO, Albany, NY, Syracuse, NY and Rochester, NY.end.VariantId.eq.F start.VariantId.eq.GCleveland, OH, Akron/Canton, OH, Pittsburgh, PA, Hartford, CT, New Haven, CT, Seattle, WA, Denver, CO, Albany, NY, Syracuse, NY, Rochester, NY, and Buffalo, NY.end.VariantId.eq.G start.VariantId.eq.HCleveland, OH, Akron/Canton, OH, and Pittsburgh, PA end.VariantId.eq.H start.VariantId.eq.ICleveland, OH, Akron/Canton, OH, Denver, CO, Seattle, WA.end.VariantId.eq.I

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Offer is available to clients who do not have or haven’t had a KeyBank Hassle-Free Account® or a KeyBank checking account during the past 12 months. Receive $100 when you open a KeyBank Hassle-Free Account® between 1/19/2019 and 5/31/2019 and make one single direct deposit of $500 or more within 60 days after account opening. Receive $200 when you open a Key Express Checking Account (this is the basic banking account in New York) between 1/19/2019 and 5/31/2019 and make a direct deposit of $500 or more within 60 days after account opening. Receive $300 when you open a Key Advantage, Key Privilege or Key Privilege Select Checking® Account between 1/19/2019 and 5/31/2019 and make a direct deposit of $500 or more within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. There is no check writing with a KeyBank Hassle-Free Account®. Coupon/code required to qualify. Coupon/code cannot be sold. Normal account service charges and balance requirements apply to the checking accounts. Refer to key.com for checking account service charges and balance requirements applicable to the checking accounts listed above. Limit one gift per qualifying account. Limit one gift per individual. The value of your gift will be reported on Form 1099-INT. Your gift will be deposited into your account within 90 days of meeting requirements. 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. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Employees of KeyBank, its affiliates, and subsidiaries are not eligible for this offer. Accounts titled as Trust Accounts, Estate, Non-Individual, and No access are excluded from eligibility. Offer is subjected to cancellation without notice and cannot be combined with any other offer.

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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 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 Money Market 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 $1000.00 or more credited to your Key Advantage Money Market 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.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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