Offer value details
KeyBank lists a $300 Key Smart Checking offer for eligible customers who open by the listed deadline and complete the direct-deposit requirement.
Qualification requirements
Open a Key Smart Checking account by December 11, 2026 using offer code KDMA0526, make the $10 minimum opening deposit, and receive $2,000 or more in eligible ACH direct deposits within 90 days of account opening.
Fees and costs
KeyBank lists a $0 monthly maintenance fee, $0 minimum balance requirement, and $10 minimum opening deposit. Current disclosures list a $20 overdraft item fee, generally limited to three per day, and a 2% Immediate Funds fee with a $2 minimum; other optional-service fees can apply.
Availability
KeyBank says online opening is for individual U.S. citizen applicants age 18 or older who live in Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, or Washington. Geographic restrictions apply and account opening is subject to approval.
What to verify
- The offer is limited by geography and account-opening approval.
- Only eligible ACH direct deposits count toward the $2,000 requirement.
- KeyBank says the gift value will be reported on Form 1099-INT.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.