Banking with KeyBank is a great way to take control of your money. We don’t charge service fees to cash checks, pay bills or send money to friends and family. And, it’s easy to get your cash and move your money. Key has award-winning online and mobile banking, plus conveniently located ATMs that help you bank on the go.
Recommended KeyBank Accounts
First-time accounts for basic banking
We don’t want you to worry about bank account fees. Our Hassle-Free Account, a checkless account, doesn't have monthly or overdraft fees. And, when you have a KeyBank checking account, we waive the monthly maintenance fee1 for our most popular savings account, Key Active Saver®.
Getting or fixing credit.
Earning a good credit score starts with having credit, but getting credit can seem difficult when you’re just starting out. The good news is that everyone starts from the beginning. And, whether you’re starting from scratch or need to rebuild or fix your credit, we’re here to help you learn how. Building credit.
Buying a Home
When you’re ready, we can help you make a plan to buy your first home. KeyBank will guide you through every step, from saving up, to setting a budget and exploring the best loan options. Community Lending.
Benefits of Using KeyBank
No-Fee Services for Day-to-Day Spending
- Access Accounts Instantly. With online and mobile banking, you can check your balance, deposit checks from your smartphone, send money to friends and family and more—24/7.
- Mastercard Ease and Security. Use a KeyBank Debit Mastercard® to check out with contactless Tap & Go or by using your smartphone—all with zero fraud liability and ID theft protection included.2
Built-In Money Saving Features
- Save Money Automatically. Use EasyUp® by KeyBank to build up savings or pay down debt without even thinking about it. When you use your debit card, EasyUp sends an amount you choose from your checking account to your savings account.
- Fewer Overdraft Fees. With Key Coverage Zone®, if your account’s overdrawn by $20 or less, you won’t see an overdraft fee from KeyBank.3
Secure Banking Benefits
- Stay on Top of Your Accounts. Set custom account alerts so you can receive text or email updates about account information that’s important to you.4
- Gain a Bank History. Once you establish a banking history, it’s easier to consider other accounts that could help you make more progress with your money.
Talk to us
We know talking about money can be tough, so we’re ready with simple questions, straightforward ideas and zero judgment. Wherever you are on your financial path, we can point you in the right direction.
1
There is no monthly maintenance fee if you are an owner on a KeyBank consumer checking account (including the KeyBank Hassle-Free Account®), otherwise the fee will be $4.00.
2
Please see terms and conditions which can be found at mastercard.us/zeroliability.
3
Overdraft Item Charges are $20 per item. Charges apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft charges will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in authorizing Key to pay these items into overdraft and assess a charge. You agree to pay us the full amount of any overdraft on your account immediately upon demand, together with any additional charges we assess. KeyBank’s approval of overdrafts is a discretionary courtesy. For Consumer accounts: No charges will be assessed when the account is overdrawn twenty ($20) dollars or less at the end of the day. Overdraft charges are assessed on up to three (3) items per day, with the maximum not to exceed $60 per day per account. Overdraft charges may not post on the same day as the transaction which triggers the fee(s). There is a cap of 20 assessed overdraft charges within a monthly statement period. If at the end of the day, your account’s overdrawn available balance is more than $20 for 5 consecutive business days, an additional $20 Recurring Overdraft Service Charge will be assessed. See your account's Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.
4
Message and Data rates may apply from your wireless carrier.