KeyBank Key Smart Checking bonus: is $300 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$300: more than leaving it at 4.15%
The math
Bonus
+$300
Extra
+$300
Get $2,000 in direct deposits within 90 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Get $2,000 in direct deposits within 90 days
- Ends
- Dec 11, 2026
- Where
- 15 states: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA
- Monthly fee
- None
- Bonus paid
- Usually within 60 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the KeyBank Key Smart Checking bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$300.
What are the requirements?
Get $2,000 in direct deposits within 90 days. Open to residents of AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA.
When does it end?
The offer ends Dec 11, 2026. The terms were last checked Oct 9, 2026.