Key Smart Checking
- Bonus
- $300
- To qualify
- $2,000 direct deposit within 90 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Residents of 15 states: AK, CO, CT, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA, online
- Monthly fee
- None
- When the bonus is paid
- Within about 60 days after you finish the requirements
- Keep it open
- Until the bonus posts. KeyBank's offer only requires the account to be open when the bonus pays. If there's no monthly fee, keeping it a few months is the safe choice.
- Past customers
- Not eligible if you got a KeyBank checking bonus in the last 12 months
- Open by
- December 11, 2026
Good to know: Open from KeyBank's offer page so the offer code (KDMA0526) is attached. $2,000+ in direct deposits (ACH payroll, pension or government benefits) within 90 days of opening; teller, ATM and mobile-app deposits don't count. Not available if you were a primary owner of a KeyBank personal checking account in the last 12 months. $10 to open.
KeyBank's offer says "Geographic restrictions apply." These are the 15 states KeyBank's own checking page lists for online applications; outside them you'd need a KeyBank branch. Confirm when you apply.
Checked against KeyBank's own terms on October 20, 2026.