KeyBank
KeyBank Key Smart Checking
This bank doesn't currently have an active bonus. Here's its offer history.
$300Mar 6, 2026 – May 22, 2026Expired
Direct Deposit Data Points 123
Community-reported results for what triggers a qualifying direct deposit at KeyBank.
221 total
Account Details
Monthly feeNo monthly fee
Min. hold period180 days
$25 early closure fee if closed within 180 days.
Credit inquirySoft pull only
ChexSystemsYes. May deny applicants with negative banking history.
AvailabilitySelect states (AK, CO, CT, FL, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA)
Eligibility
Minimum age18+
Existing customersNot eligible
Cannot have had a KeyBank checking account in the last 12 months.
Can You Earn This Bonus Again?
Related Articles
What is a hold period?
The minimum time you must keep your balance in an account before the bonus is paid out.
What is an early termination fee?
A penalty charged if you close a bank account too soon after opening it.
What is ChexSystems?
ChexSystems is a banking history report that can affect bonus approvals. Here's how it works, which banks check it, and how to work around a bad record.
Also see: this month's best bank bonuses and the full offer history archive.