KeyBank
KeyBank Key Smart Checking via MyPoints $36 Bonus
- Bonus amount
- $36MyPoints payout as of Oct 7, 2026. Portal amounts change often, so check today's figure before you start.
- Expires
- Not listed
- Time to complete
- ~90 days
- Bonus deposited in
- ~150 days
- Difficulty
- Medium
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More routes to this bonus
Current best route: KeyBank Key Smart Checking. Ranked Oct 7, 2026.
Compare all routes →Requirements
Last verified: Oct 7, 2026
Open a Key Smart Checking account through the MyPoints offer
Use the link above to open MyPoints's KeyBank offer, then open your account through it. Opening directly earns no MyPoints reward.
Complete the offer card's requirements
Follow every requirement and deadline shown on MyPoints's KeyBank offer card. The offer card's terms control.
MyPoints credits the reward after it confirms the offer was completed. Confirmation timing varies, so keep a copy of the offer card and follow its instructions exactly.
Account Details
$25 early closure fee if closed within 180 days.
Eligibility
Cannot have had a KeyBank checking account in the last 12 months.
Tips & Gotchas
- →The link above opens MyPoints's KeyBank offer. Create your MyPoints account when prompted.
- →Follow the offer card's requirements exactly. MyPoints pays only when it confirms the offer was completed.
- →Completing the flow in the same sitting is the safest way to make sure the offer tracks.
Direct Deposit Data Points 151
151 community reports across 26 transfer sources, showing what triggers a qualifying direct deposit at KeyBank.
How long until the bonus posts? The most recent community reports average about 42 days. See 106 reports on KeyBank Checking payout timelines →
Can You Earn This Bonus Again?
Fine Print
MyPoints terms apply. The KeyBank account must be new. The portal reward is not guaranteed until MyPoints confirms the offer was completed.
Taxable income · Reported on 1099-MISC
Related Articles
What Counts as a Direct Deposit for KeyBank Bonuses?
KeyBank's own terms count any electronic ACH deposit as an eligible direct deposit, not just employer payroll, so outside bank and brokerage pushes are unusually reliable here. Based on 151 community direct deposit reports with 125 successes and only 4 failures, Chase pushes are 17 of 17, Fidelity Cash Management is 19 of 20, and employer payroll, Capital One, SoFi, and Discover pushes all have strong records into 2026. Teller, ATM, and mobile app deposits are the main things that do not count.
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, usually $25 to $50, charged if you close a bank account too soon after opening it. Among accounts we track, BMO and M&T charge $50 and KeyBank and PNC charge $25, while many banks charge nothing at all.
Also see: this month's best bank bonuses and community DD data points.
We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. See how we make money