Invest in your future.
And earn a bonus of up to $3,000.¹

Bonus amounts: Tier 1 ($1,000 bonus) requires $250,000 or more in Qualifying New Funds and an end-of-day balance maintenance of $250,000 or more. Tier 2 ($3,000 bonus) requires $500,000 or more in Qualifying New Funds and an end-of-day balance maintenance of $500,000 or more.

To earn the Key Private Client (KPC) Bonus, complete all 3 steps in order.

• 1. Open or upgrade to a Key Private Client Checking Account (KPC Account) in a KeyBank branch by 5/22/2026. You must have a personalized offer directly from KeyBank and provide offer code to banker at the time of account opening or upgrade.

• 2. Within 60 days of KPC Account opening or upgrade, open a Key Investment Services (KIS) account, and deposit/invest Qualifying New Funds across eligible accounts, meeting the threshold for your bonus tier. Of the required Qualifying New Funds for your tier, a minimum of $50,000 must be invested in your KIS account. Qualifying New Funds must be new to KeyBank and its affiliates. Transfers from existing Key accounts or securities already held at Key do not qualify. Gains or losses due to market fluctuation or trading activity do not count toward balance requirement.

  Eligible accounts include individual or joint KeyBank personal checking, savings, money market accounts, non-retirement CDs, and individual or joint non-retirement KIS accounts.

  Ineligible accounts include business or entity accounts, Health Savings Accounts, retirement (IRAs, 401(k), SEP, SIMPLE, Keogh), trust accounts, government or non-profit accounts, KIS 529 College Savings Plans, pledged KIS accounts, and fixed or variable annuities held at KIS.

  Bonus tier is determined based on your Qualifying New Funds balance on day 60 following KPC account opening or upgrade. If this is a weekend or a federal holiday, the next business day is used.

• 3. Maintain the required end-of-day daily balance for your bonus tier for an additional 90 days with a minimum of $50,000 daily net balance in your KIS account during this time. End-of-day balance is calculated using eligible deposit balances combined with net investment balances. Net investment balance is your starting eligible investment balance, plus or minus net change in balance, excluding market fluctuation. If the final day of this period is a weekend or federal holiday, the previous business day’s end-of-day balance will be used.

Bonus will be deposited into KPC Account within 60 days of meeting all requirements. KPC Account must be open at the time of payment.

The minimum balance to open a KPC Account is fifty dollars ($50.00). The KPC Account earns interest at tiered rates based on balances. Rates may vary. Annual Percentage Yields (APY) for the KPC Account are accurate as of 1/5/2026. For example, for ZIP code 44114, 0.08% APY applies to balances of $0.00 to $2,499.99; 0.08% APY on balances of $2,500.00-$4,999.99; 0.8% APY on balances of $5,000-$9,999.99; 0.08% APY on balances $10,000.00-$24,999.99; 0.08% APY on balances of $25,000.00-$49,999.99; 0.08% APY on balances $50,000.00-$99,999.99; 0.08% APY on balances $100,000.00-$249,999.99; 0.08% on balances $250,000-$499,999.99; 0.08% on balances $500,000.00-$999,999.99, 0.08% APY on balances $1,000,000.00 or more. Rates may vary. Rates and terms are applicable to and accurate as of date in this disclosure and may change at the bank’s discretion. Fees may reduce earnings.

Offer not available to previous owner(s) or co-owner(s) of a KIS account within the past 12 months. Offer not available to employees of KeyBank, its affiliates, and subsidiaries. If your checking account is currently participating in another offer, enrolling in the KPC offer will disqualify you from original. Only 1 KPC bonus may be earned per household in a 12-month period from payment date. Offer may be modified or canceled at any time without notice. Bonus value will be reported on IRS Form 1099-INT. Valid U.S. address and Social Security number required.

Key Private Client is a marketing name through which KeyBank National Association (KeyBank) and certain affiliates such as Key Investment Services LLC (KIS) and KeyCorp Insurance Agency USA Inc. (KIA), provide banking and/or investment product and service offerings as described below.

KeyBank, KIS and KIA are separate entities. Each entity separately supervises the sales and other activities of financial professionals providing access to its products and services.  Investment products, brokerage and investment advisory services are offered through KIS, member FINRA/SIPC and SEC-registered investment advisor. Insurance products are offered through KIA. Deposit, lending, trust and other banking products and services are available through KeyBank, Member FDIC and Equal Housing Lender. All loans provided by KeyBank are subject to underwriting, credit, and collateral approval, in addition to origination or other transaction fees. Financing availability may vary by state. Restrictions may apply NMLS ID 399797.

Services provided by KeyBank, KIS or KIA should not be relied upon or used in substitution for independent and personal tax advice.  KeyBank, KIS or KIA do not provide legal advice. Individuals should consult their personal tax advisor or attorney before making any tax-related investment decisions.

Investment products, brokerage and investment advisory services are offered through KIS, member FINRA/SIPC and SEC-registered investment advisor. Insurance products are offered through KIA.

For more information about these services, speak with your Financial Professional.

Non-Deposit products are: