Key Smart Checking $400 Bonus
APY
0.01%
Min. to Open
$10
Monthly Fee
$7/month
Welcome Bonus
$400 after qualifying direct deposits
Key Smart Checking $400 Bonus
Key Smart Checking $400 Bonus
$400 with deposits — April 2026.
Our take
Competitive bonus in KeyBank footprint.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
Answer a few quick questions — we'll match you with the bank accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 0.01% |
| Welcome bonus | $400 after qualifying direct deposits |
Fees & Requirements
| Monthly fee | $7/month |
| Fee waiver | One transaction per month |
| Minimum to open | $10 |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.01%. Rates are variable and may change. Check the bank's site for the most current rate.
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $7 can be waived if you One transaction per month.
Key Smart Checking $400 Bonus