Key Smart Checking

Checking

$300

Cash bonus

Apply Track this bonus

Tracking is free: SuperChurn keeps every requirement and deadline for this bonus in one place. No bank login needed.

How to earn it

$2,000 direct deposit within 90 days
$2,000+ in eligible direct deposits
Direct deposit · Within 90 days of account opening
Terms: “make a total of $2,000 or more in eligible direct deposits within 90 days of account opening”

Who can get this bonus

1 per 12 months“Not available if you were a primary owner of a KeyBank personal checking account in the last 12 months.”

From KeyBank’s offer terms · checked Sep 25, 2026. Eligibility is the bank’s decision; confirm with it before you apply.

Fees and keeping the account open

Monthly fee: None
Keep the account open: Not stated
When the bonus posts: About 60 days after the requirements are met; Deposited within 60 days of meeting the requirements; the account must not be closed at payment.
Available in: AK, CO, CT, FL, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA; Online for residents of the states where KeyBank has branches (listed); anyone else must open in a KeyBank branch with the offer code. Not available if you were a primary owner of a KeyBank personal checking account in the last 12 months. $10 minimum opening deposit. Key Select Checking earns $500 with $5,000 in direct deposits.
Taxes: Usually reported on a 1099-INT (as interest).

Offer terms

Open a Key Smart Checking account online with KeyBank's offer code by Dec 11, 2026 (11:59 p.m. ET) and make the $10 minimum opening deposit. Receive a total of $2,000 or more in eligible direct deposits within 90 days of opening: ACH deposits such as payroll, Social Security, pensions and government benefits (teller, ATM and KeyBank mobile-app deposits don't count). Paid within 60 days of meeting the requirements; the account must not be closed at payment. One account-opening gift per account and per individual. Not available if you were a primary owner of a KeyBank personal checking account in the last 12 months. Geographic restrictions apply. Reported on Form 1099-INT. (Key Select Checking earns $500 with $5,000 in direct deposits.)