Key Smart Checking
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Earn $300 until 12.19.25 with the no-monthly-maintenance-fee Key Smart Checking®
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  • Earn $300 after qualified activities until 12.19.25 with the no-monthly-maintenance-fee Key Smart Checking®
  • Open a Key Smart Checking® account online by December 19, 2025.
  • Make the minimum opening deposit of $10, plus a total of $2,000 or more in eligible direct deposits within the first 90 days of account opening.
  • Your $300 cash bonus will be depoisted into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
  • Earn better interest rates (savings/money markets), more cash back, loan discounts (via Relationship Benefits), and receive eligible direct deposits up to 2 days early.
  • Use EasyUp® to automatically build savings or pay down debt.
  • Link accounts for free automatic overdraft coverage and avoid fees if overdrawn by $20 or less at day's end.
  • Deposit checks, pay bills, send money, lock/unlock cards, set custom text/email alerts, and set up automatic deposits for paychecks/recurring payments via online/mobile banking.
  • Enjoy chip security, Tap & Go (contactless) technology, and all Mastercard benefits.
  • Access funds nationwide via branches and over 40,000 KeyBank & Allpoint® ATMs.

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