checking
KeyBank $300
Key Smart Checking
Key Smart Checking pays $300 after a $10 opening deposit and $2,000 in eligible direct deposits within 90 days.
Effective value after fees
$300
No monthly maintenance fee is published, so nothing is subtracted from the $300.
Exact requirements
- Open Key Smart Checking by 11:59 p.m. EST on December 11, 2026 with offer code KDMA0526.
- The offer is online only, except non-residents, who must open in a branch.
- Eligible direct deposits are ACH credits such as payroll, Social Security, pension, and government benefits. Teller, ATM, and mobile-app deposits do not count.
- Not available to KeyBank employees or to someone who was a primary owner of a KeyBank personal checking account in the last 12 months.
- Geographic restrictions apply. The page does not list the states. The account must be open when the bonus is paid.
- Bonus
- $300
- Direct deposit
- $2,000 or more in eligible ACH direct deposits within 90 days, plus the $10 opening deposit.
- Deposit
- $10 minimum opening deposit.
- Keep the account open
- Not stated. The account must not be closed when Key pays the bonus.
- When the bonus posts
- Within 60 days of meeting the requirements.
- Expiration
- Open by 11:59 p.m. EST on December 11, 2026.
- Monthly fee
- $0 monthly maintenance fee.
- How to waive it
- Key describes Smart Checking as having no monthly maintenance fee.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. Key says geographic restrictions apply and does not list states on the offer page.
- Last verified
- November 15, 2026
Fine print
Limit one account-opening gift per person. Reported on Form 1099-INT. A separate $100 annual bonus on Key Select Checking is a different, harder offer and is not part of this $300. Verified November 15, 2026.
Source checked November 15, 2026: https://www.key.com/personal/checking/checking-account-bonus-offers.html