Money Market Checking

Open an Account

Before You Apply

Apply by Phone

Call 1-800-872-5553

Online Banking**

Key Advantage Money Market Checking

A full-service, interest bearing checking account

Our Key Advantage® Checking Account is an interest bearing checking account that rewards you. Open your checking account online and receive the benefits below – free of any monthly fees – when you have a $10,000 total relationship with KeyDirect1.

Key Advantage Checking Account Benefits

  • No transaction limits or fees
  • Free use of any ATM, plus receive reimbursement – up to $12 per month – of ATM cash withdrawal fees charged by other banks
  • Free unlimited checks with your interest bearing checking account
  • Free online funds transfers between your online checking account and accounts at other banks
  • Free2 online bill payment with your checking account using online banking
  • Free online checking account statements that save time and eliminate paper
  • Free 24-hour online account access
  • Free incoming wire transfers
  • Free email alerts on your checking account
  • Unlimited phone support
  • Quickly and easily open your checking account online

View all Rates

A Gold Debit Card to Go With Your Online Checking Account

Key's Gold Debit Card has all the benefits of the standard debit card, plus:

  • Purchase Assurance® 3 and satisfaction guarantee coverage
  • Extended warranty for major purchases
  • Master RoadAssist® 3, travel assistance and MasterCard Global services

Rates & Fees

A note on applying

As of October 3, 2009, KeyDirect is providing products and services to existing clients only. To apply for a product from KeyDirect, please call 1-800-872-5553.

If you do not have an account with KeyDirect, you can visit for more information about KeyBank products and services. KeyBank can open and service accounts in the following states: AK, CO, ID, IN, KY, ME, MI, NY, OH, OR, UT, VT, or WA.


1 Requires minimum opening deposit of $50. We reserve the right to limit opening deposits in these accounts to $500,000 per account. If your combined relationship balance falls below $10,000 your monthly Maintenance Service Charge is just $15.

2 Normal account service charges still apply.

3 Benefits are offered by MasterCard International Incorporated and are subject to change at any time. Certain other limitations also apply. Additional details and rules will be provided with your Welcome Kit.

* All annual percentage yields (APYs) are accurate as of today only, and are subject to change without notice. Fees may reduce earnings on the account. Account is available to personal accountholders only.

Deposits and other transactions for KeyDirect accounts are not accepted at KeyBank branches. Please conduct all transactions via online banking, phone, or mail. Please contact 1-800-872-5553 for instructions, as needed.

Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.

** You will be linked to® when you access Online Banking. All accounts and services displayed may not be applicable to you.


KeyDirect is a business segment within KeyBank National Association.

KeyDirect offers great interest rates directly to consumers and businesses in 39 states and the District of Columbia but not AK, CO, ID, KY, ME, NY, OH, OR, UT, VT, or WA. If you currently reside in one of these 11 other states, please visit KeyBank at one of more than 1000 KeyBank branches or visit to see what rates are available in your area. Not all accounts available in all states. Please note that if you reside in IN and MI you can choose to bank either via the KeyDirect web site or call center, or through your local KeyBank branch or is a federally registered service mark of KeyCorp.

KeyBank is Member FDIC.