The current sign-up bonus is $300, available until August 22, 2025.
KeyBank is
not a nationwide bank — only residents of the following states are eligible to open an account:
Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
There are monthly fees for some accounts, but there are also ways to avoid them, which are explained below.
If the account is closed within 180 days, there is a $25 early termination fee.
Important notes:
KeyBank currently allows online applications for U.S. citizens only.
Non-U.S. citizens must go to a physical branch to apply.
Bonus Requirements:
The bonus is often limited to specific cities. You need to enter your ZIP code on their website to check if you're eligible.
You must not have had a KeyBank checking account in the past 12 months.
You must receive at least one direct deposit of $2,000 or more within 90 days of account opening.
KeyBank Checking Account Options:
Key Smart Checking – $0 monthly fee
Key Advantage Checking – $18 monthly fee
Key Privilege Checking – $25 monthly fee
Key Privilege Select Checking – $50 monthly fee
KeyBank Hassle-Free Account – $0 monthly fee
(You can find a full comparison on their official website.)
Summary:
KeyBank regularly offers sign-up bonuses, and you may be able to qualify again after 12 months.
However, bonuses are location-specific and only available to residents of certain cities.
KeyBank checking accountshttps://www.key.com/personal/promo/checking/ksc-300.html?ppc=2506_CMPACQ_KDMA0625_site
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