unlock growth for your business.

Here’s up to $1,400 in benefits to help.1

See how your business can benefit from some or all of these offers. Whether you need solutions for banking, borrowing or managing your accounts, we’ve got you covered with great options and up to $1,400 in benefits. These offers are valid
October 1, 2022 - December 30, 2022.

Current Business Offers

man handing deposit to male bank teller


Earn $500 with Key Business Reward Checking®
Checking that works with every stage of your business.

To qualify for $500, within 90 days of account opening you must:2

  • Make a minimum opening deposit of $25.
  • Make five eligible withdrawals and five eligible deposits.
  • Maintain a minimum daily account balance of $2,000.


Apply for a Responsive Line of Credit
Prime+0% for 12 months for line of credit over $50,000.3

Receive a $300 statement credit with a Key Merchant Services account4
Accept cards anywhere and enjoy next day funds availability.*

$200 with a KeyBank Business Cash Rewards Card
Spend $1,000 in the first 60 days to earn your $200 cash bonus.5 Up to 2% unlimited cash back when you also have a KeyBank business checking account6 and a Key Merchant Services account. 0% Intro APR for 6 months; variable 17.74%–27.74% thereafter.7

woman taking photo of check

Additional Offers that Can Grow Your Business

Incentives for you or your employees through Key@Work®
Offer exclusive benefits to your employees that help them get on the path to financial wellness.8

6 months of service included with Key Capture® remote deposit
Easily scan checks and deposit checks online from any location.

Enjoy six months of service including up to 250 items, a $300 value, at no charge.9

2 months of service included with Key CashFlow®
Simplify and automate your business payments.

Enjoy two months of service, a $100 value at no charge.10

1 month of complimentary payroll services
Save time and simplify processes with end-to-end payroll and HR services.

One month of Paychex Payroll Services at no charge.11

Take Advantage of These Special Limited-Time Offers Today

To get started, contact your relationship manager or schedule an appointment.

Each earned incentive payout will be deposited within 90 days of meeting the requirements if your account is open and not overdrawn.


In order to be eligible for the up to $1,400 in benefits, you must:


Open a new Key Business Reward Checking® account with an opening deposit of $25 and with Marketing Code MPDD1022, complete FIVE eligible withdrawals and FIVE eligible deposits within 90 days after account opening AND maintain minimum daily balance of $2,000 for first 90 days in the account having marketing code, to get $500. Minimum balance must be reached within 14 days of account opening. Eligible withdrawals include debit card purchases, online banking bill payments, ACH payments, and checks written on the account. Internal transfers, including online banking transfers and fees or service charges, do not qualify. Key Business Reward Checking must be open and not overdrawn at time of award payout. Cannot have or have had a business checking account in last 12 months. ONE award per account, ONE award per TIN. Award will be reported on Form 1099-INT.

The minimum opening deposit for a Key Business Reward Checking account is $25.

There is no monthly Maintenance Service Charge for the first two months that a Key Business Reward Checking account is open.

Beginning in the third month, the monthly Maintenance Service Charge for the Key Business Reward Checking account can be avoided if any of the following balance requirements are met:

  • The Average Ledger Balance in your Key Business Reward Checking account was $7,500.00 or more during the monthly statement period; or
  • The total of the following was $20,000.00 or more: 1) the combined cycle-to-date Average Ledger Balance in any combination of business checking (excluding certain business accounts opened for the benefit of others), business savings and business certificates of deposit accounts within two business days prior to your Key Business Reward Checking account statement cycle date; and/or 2) the outstanding balance of all commercial loans and lines of credit including your Business Cash Reserve credit account(s) (excluding balances past due 60 days or more) as of no more than five business days prior to your Key Business Reward Checking account statement cycle date.

Additionally, if you are the sole owner* of your business, the list of account balances that may be combined to avoid the monthly Maintenance Service Charge on your Key Business Reward Checking account includes all of the above business accounts and certain of your personal accounts as outlined below. You may avoid the monthly Maintenance Service Charge on your Key Business Reward Checking account if the following balance requirement is met:

  • The total of the following was $20,000.00 or more: 1) the combined cycle-to-date Average Ledger Balance in any combination of personal and business checking, personal and business savings and personal and business certificates of deposit accounts within two business days prior to your Key Business Reward Checking account statement cycle date; and/or 2) the outstanding balances of your standard consumer loan/line** of credit balances (excluding balances past due 60 days or more) as of no more than five business days prior to your Key Business Reward Checking account statement cycle date; or
  • Subscribe to Key Merchant Services.
  • *As used herein, "sole owner" means a natural person doing business as a sole proprietor and excludes separate legal entities such as corporations, partnerships, limited liability companies and not-for-profit enterprises.

    (**Standard consumer loan and line products include auto loans, RV loans, marine loans, home equity loans, home equity lines of credit, home improvement loans, Key equity options, preferred (unsecured) credit lines, cash reserve credit, personal loans, mobile home loans and airplane loans with KeyBank NA; and credit cards. Certain non-standard loans and lines of credit may not be included.)


Subject to credit approval, the interest rate charged on your Small Business Responsive Line of Credit will be The Wall Street Journal Prime Rate + 0% (the "Introductory Rate") for 12 months from the date the Account is opened (the "Introductory Rate Period"), provided you establish and maintain an automatic payment link between your Small Business Responsive Line of Credit and KeyBank deposit account, and are not otherwise in breach of the Small Business Responsive Line of Credit Agreement and Business CreditOne Application and Agreement that regulates your account.


Apply for and activate a Key Merchant Services (KMS) account, $300 offer is applied as a statement credit to your new Merchant Services account 60 days after account activation. Limit ONE $300 offer per new merchant relationship. Activation is defined as processing and settling $20.01 to your primary merchant DDA. Transaction rates do not include equipment costs, chargeback fees, Clover® software or security fees, or other third-party charges. Custom pricing available; restrictions apply. Activation starts the day of the first KMS transaction. If no processing fees or conversion costs are incurred, credit will remain and be applied after initial fees or conversion costs are incurred. Excludes Clover Go.


Next day availability is subject to applicable cutoff times and only applies to Key Merchant Services customers who have a KeyBank checking or savings account.


To qualify for the $200 bonus cash back, you must spend at least $1,000 on qualifying purchases with this credit card within 60 days of account opening. See Terms and Conditions.


Business Cash Rewards customers earn 1.5% unlimited cash back on all purchases. You can earn a .25% bonus for having a KeyBank business checking account, open and in good standing, and maintaining an average daily balance of $2,000. You can also earn a .25% bonus for processing payments through a qualifying Key Merchant Services program. Clover Go® accounts are not a qualifying Key Merchant Services program. Eligible purchases do not include cash advances of any type, balance transfers, overdraft protection transfers or credits. Certain exclusions apply. We will determine whether you have met the bank and process criteria on the last Monday of each calendar month, based on your deposit account status and processing activity over the thirty (30) calendar days prior to the immediately preceding Saturday. The KeyBank Business Cash Rewards Program Terms and Conditions apply, are subject to change and can be found at key.com/bizrewards.


The 0% introductory APR applies for the first six months on all purchases, as well as balance transfers made within the first 60 days of account opening. Thereafter, the variable APR for purchases and balance transfers is 17.74%–27.74%, based on creditworthiness. This APR will vary with the market based on the Prime Rate. The introductory rate does not apply to cash advances. The variable APR for cash advances is 27.74%. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $0.


Between 10/1/22 and 12/30/22, you must open a Key Smart Checking®, Key Advantage Checking®, Key Privilege Checking®, or Key Privilege Select Checking® account, enroll in the Key@Work Program, and make a total of at least $1,000 in direct deposits within 60 days of account opening to receive your $250. Between 9/1/22 and 2/28/23, you must open a health savings account, Key Gold Money Market Savings®, Key Silver Money Market Savings®, Key Active Saver® account or Key Select MMDA Account® and make a minimum opening deposit of at least $100 (unless opening a health savings account, in which case there is no minimum opening deposit) within 60 days of opening the checking account described in this offer to receive an additional $50. Limit one of each gift per qualifying account(s). Limit one of each gift per individual. The gift will be reported to the IRS on Form 1099-INT. Your gift(s) will be deposited into your checking account within 60 days of meeting requirements. Direct deposit transactions are limited to: payroll, Social Security, pension, and government benefits. Offer applies to new accounts; you must not have had another KeyBank checking account including a KeyBank Hassle-Free Account® in the previous 24 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. Accounts overdrawn or closed at the time of gift payment (including both checking and savings account) 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 with any other offer. Other miscellaneous charges may apply. Coupon/Offer code required. Cannot be sold. Key is not responsible for and will not honor promotional offers that appear on third-party websites that are not authorized by KeyBank.


KeyBank business checking account required. Remotely created checks are prohibited by the terms of the checking account.


Enroll in Key CashFlow and receive the two-month trial with all subscription and transaction fees waived for 60 days.


Some restrictions and limitations may apply. KeyBank customers who currently process payroll on a quarterly or annual basis are not eligible for the offer. Payroll processing services provided by Paychex, a third-party commercial vendor. KeyBank is not an affiliate of Paychex, and does not provide, warrant, or guaranty their products or services, nor does KeyBank assume any liability for any action taken by Paychex or you in transacting with Paychex. KeyBank is acting solely as a referring intermediary for Paychex. KeyBank may share your business contact information with Paychex and Paychex may contact the business. The Promotion shall consist of one (1) month of complimentary Paychex Flex® Pro, Select or Enterprise Services (the “Services”) to Eligible Clients in month one (1). An “Eligible Client” shall be a client who is (1) not currently receiving the Services from Paychex; (2) elects either the Paychex Flex® Pro, Select, or Enterprise Services by entering into a Services Agreement with Paychex (the “Agreement”); (3) has been referred by the financial institution by January 31, 2023; and (4) commences the Services on or before February 28, 2023. Eligible Clients must be receiving the Services pursuant to the Agreement to receive the Promotion, and any unused part of the month is not redeemable in U.S. currency or for any other entity. The Promotion applies only to the Services, and Eligible Client shall be solely responsible for all fees due for services other than the Services. The Promotion is a limited time offer.

Limit of up to $1,400 in benefits per business per TIN.
1. Max of one Business Rewards Checking account
2. Max of one Key Merchant Services statement credit
3. Max of one Business Cash
4. Max of one Key@Work payout per individual
5. Max of one Key Capture remote deposit discount
6. Max of one Key CashFlow trial
7. Max of one Paychex discount
8. Charge for Account Early Close-Out (Account closed within 180 days after opening) is $25.

Rates, fees and other information contained within this disclosure are accurate as of 11/3/2022 and are subject to change after that date.

Banking products and services are offered by KeyBank National Association.

All merchant services, credit, and leasing products are subject to credit approval, terms of service, and any applicable collateral requirement(s).

All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.