KeyBank Promotions Overview
KeyBank promotions may include checking account bonuses, savings promotions, business incentives, credit card offers, promotional rates, and relationship benefits available to qualifying Utah customers. For an overview of the institution and its banking services, visit our KeyBank profile.
This page tracks current KeyBank bonuses and promotions in one place. Offers, eligibility requirements, and expiration dates can change, so review the official KeyBank terms before opening an account or applying for an offer.
Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.
Quick Summary
This summary highlights the most meaningful current KeyBank promotions available to qualifying Utah consumers and businesses.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | Key Smart Checking: $300 welcome bonus. Key Select Checking: $500 welcome bonus, plus a separate $100 recurring annual cash bonus. |
| Savings Account Bonuses | No public cash signup bonus currently identified. |
| Business Account Bonuses | No public business checking, savings, or other business deposit-account signup bonus currently identified. |
| Credit Card Bonuses | No public consumer credit card welcome bonus. Eligible business cards offer either a $200 cash bonus or 100,000 points worth $200 after $1,000 in qualifying purchases within 60 days. |
| Promotional Rates | Consumer credit card 0% introductory APR offers for 12 or 15 billing cycles; business card 0% introductory APR offers for six billing cycles; and eligible relationship loan discounts of 0.25 to 1.00 percentage point. |
| Referral Programs | No public consumer or ordinary business customer referral bonus currently identified. |
| Member Deals and Discounts | 25% off eligible Trust & Will estate-planning services for KeyBank clients. |
Checking Account Bonuses
KeyBank bonuses and promotions currently include two public checking welcome bonuses for qualifying new consumer checking customers in Utah, plus a separate recurring annual cash bonus for Key Select Checking.
Key Smart Checking — $300 Welcome Bonus
| Detail | Offer |
|---|---|
| Bonus | $300 |
| Product type | Consumer checking account |
| Account | Key Smart Checking® |
| How to earn it | Open a new Key Smart Checking account using offer code KDMA0526, make the $10 minimum opening deposit, and receive at least $2,000 in eligible ACH direct deposits within 90 days of account opening. |
| Required holding period | No separate holding period is listed beyond the 90-day qualification period. The account must remain open until the bonus is paid. |
| Monthly service fee | $0 |
| Potential account cost | $0 in monthly service fees during the qualification and payment periods. |
| Potential bonus after fees | Up to $300 after monthly service fees. Other account or transaction fees may still apply. |
| Fine print | Eligible direct deposits include ACH deposits such as payroll, Social Security, pension, and government benefits. Teller, ATM, and mobile deposits do not qualify. The bonus is deposited within 60 days after the requirements are met. Limit one account-opening gift per person, and the account must remain open when the bonus is paid. |
| Expiration date | December 11, 2026, at 11:59 p.m. Eastern Time |
| Availability | Online through the promotional offer for qualifying Utah residents opening an individual account, subject to account approval and geographic restrictions. Promotional offers available in KeyBank branches may differ. |
| Who qualifies | Qualifying new KeyBank consumer checking customers who were not the primary owner of a KeyBank personal checking account during the previous 12 months. KeyBank employees and employees of its affiliates and subsidiaries do not qualify. |
More official info: Key Smart Checking bonus offer
Key Select Checking — $500 Welcome Bonus
| Detail | Offer |
|---|---|
| Bonus | $500 one-time welcome bonus |
| Product type | Consumer checking account |
| Account | Key Select Checking® |
| How to earn it | Open a new Key Select Checking account using offer code KDMB0526, make the $50 minimum opening deposit, and receive at least $5,000 in eligible ACH direct deposits within 90 days of account opening. |
| Required holding period | No separate holding period is listed beyond the 90-day qualification period. The account must remain open until the bonus is paid. |
| Monthly service fee | $25 after the first three statement cycles, or $0 when the customer receives at least $3,000 in eligible direct deposits per statement cycle or maintains at least $15,000 in combined eligible KeyBank balances. |
| Potential account cost | $0 during the first three statement cycles. Afterward, each monthly service fee charged before the bonus is paid would reduce the offer value by $25. |
| Potential bonus after fees | Up to $500 before fees, approximately $475 after one $25 monthly service fee, or approximately $450 after two $25 monthly service fees. |
| Fine print | Eligible direct deposits include ACH deposits such as payroll, Social Security, pension, and government benefits. Teller, ATM, and mobile deposits do not qualify. The bonus is deposited within 60 days after the requirements are met. Limit one account-opening gift per person, and the account must remain open when the bonus is paid. |
| Expiration date | December 11, 2026, at 11:59 p.m. Eastern Time |
| Availability | Online through the promotional offer for qualifying Utah residents opening an individual account, subject to account approval and geographic restrictions. Promotional offers available in KeyBank branches may differ. |
| Who qualifies | Qualifying new KeyBank consumer checking customers who were not the primary owner of a KeyBank personal checking account during the previous 12 months. KeyBank employees and employees of its affiliates and subsidiaries do not qualify. |
Separate annual benefit: Key Select Checking also offers a $100 recurring annual cash bonus. This ongoing benefit is separate from the $500 welcome bonus and is not a signup bonus. To qualify, receive at least $60,000 in eligible ACH direct deposits during the 12-month evaluation period, including at least one eligible direct deposit during the final two calendar months. The account must remain open and eligible through the payment date.
More official info: Key Select Checking welcome bonus offer
Savings Account Bonuses
KeyBank promotions do not currently include a public cash signup bonus for Key Active Saver or another standard consumer savings account available to qualifying Utah applicants.
More official info: Compare KeyBank savings accounts
Business Account Bonuses
KeyBank promotions do not currently include a public signup bonus for KeyBank business checking, savings, or other business deposit accounts available to qualifying Utah businesses.
Credit Card Bonuses
KeyBank promotions currently include two public business credit card welcome bonuses available to qualifying Utah businesses. KeyBank does not currently advertise a public consumer credit card signup bonus.
Consumer Credit Cards
KeyBank’s current consumer credit cards do not offer public cash, points, or other signup bonuses. The introductory APR offers available on KeyBank Latitude and Key Cashback are promotional rates and are covered under Promotional Rates.
Business Credit Cards
KeyBank Business Cash Rewards — $200 Bonus
| Detail | Offer |
|---|---|
| Bonus or Offer | $200 bonus cash back |
| Product type | Business cash-back credit card |
| How to earn it | Make at least $1,000 in qualifying purchases within the first 60 days of account opening. |
| Required spending | $1,000 within 60 days |
| Annual fee | $0 |
| Potential bonus after annual fee | $200 |
| Fine print | Cash advances, balance transfers, convenience checks, overdraft-protection transfers, fees, quasi-cash transactions, and other excluded transactions do not count toward the spending requirement. The bonus is based on qualifying net purchases. |
| Expiration date | No public expiration date listed. |
| Availability | Available to qualifying Utah businesses through a KeyBank branch or business banker, subject to credit approval and offer eligibility requirements. |
| Who qualifies | Qualifying businesses approved for a new KeyBank Business Cash Rewards Credit Card. |
More official info: KeyBank Business Cash Rewards offer
KeyBank Business Rewards — 100,000-Point Bonus
| Detail | Offer |
|---|---|
| Bonus or Offer | 100,000 bonus points worth $200 |
| Product type | Business rewards credit card |
| How to earn it | Make at least $1,000 in qualifying purchases within the first 60 days of account opening. |
| Required spending | $1,000 within 60 days |
| Annual fee | $0 |
| Potential bonus after annual fee | $200, based on KeyBank’s stated value for the 100,000 bonus points. |
| Fine print | Cash advances, balance transfers, convenience checks, overdraft-protection transfers, fees, quasi-cash transactions, and other excluded transactions do not count toward the spending requirement. Bonus points are based on qualifying net purchases. |
| Expiration date | No public expiration date listed. |
| Availability | Available to qualifying Utah businesses through a KeyBank branch or business banker, subject to credit approval and offer eligibility requirements. |
| Who qualifies | Qualifying businesses approved for a new KeyBank Business Rewards Credit Card. |
More official info: KeyBank Business Rewards offer
Promotional Rates
KeyBank promotions currently include 0% introductory APR offers on select consumer and business credit cards, plus relationship loan discounts of 0.25 to 1.00 percentage point for qualifying Utah customers.
Consumer Credit Card Introductory Rates
| Card | Promotional Offer |
|---|---|
| KeyBank Latitude | 0% introductory APR for 15 billing cycles on purchases and qualifying balance transfers completed within 60 days of account opening. Afterward, an 18.74%–25.74% variable APR applies based on creditworthiness. The annual fee is $0, and the balance-transfer fee is the greater of $10 or 4% of each transfer. |
| Key Cashback | 0% introductory APR for 12 billing cycles on qualifying balance transfers completed within 60 days of account opening. Purchases do not receive the introductory rate. Afterward, a 20.74%–27.74% variable APR applies based on creditworthiness. The annual fee is $0, and the balance-transfer fee is the greater of $10 or 4% of each transfer. |
Carrying a transferred balance on Key Cashback may eliminate the grace period on new purchases. KeyBank states that the entire balance, including the transferred amount, must be paid by the due date to avoid purchase interest.
Expiration date: No public expiration date listed.
Availability: Available online to qualifying Utah applicants, subject to credit approval and offer eligibility.
More official info: Compare KeyBank consumer credit card introductory offers
Business Credit Card Introductory Rates
| Card | Promotional Offer |
|---|---|
| KeyBank Business Cash Rewards | 0% introductory APR for six billing cycles on purchases and qualifying balance transfers completed within 60 days of account opening. Afterward, a 17.74%–27.74% variable APR applies based on creditworthiness. The annual fee is $0, and the balance-transfer fee is the greater of $10 or 4% of each transfer. |
| KeyBank Business Rewards | 0% introductory APR for six billing cycles on purchases and qualifying balance transfers completed within 60 days of account opening. Afterward, a 15.74%–25.74% variable APR applies based on creditworthiness. The annual fee is $0, and the balance-transfer fee is the greater of $10 or 4% of each transfer. |
The introductory APR does not apply to cash advances. Regular variable APRs apply after the promotion and may change with the Prime Rate.
Expiration date: No public expiration date listed.
Availability: Available to qualifying Utah businesses, subject to credit approval and offer eligibility.
More official info: KeyBank Business Cash Rewards introductory APR
More official info: KeyBank Business Rewards introductory APR
Relationship Loan Discounts
| Product | Discount and Requirements |
|---|---|
| Mortgages and HELOCs | 0.25-percentage-point interest-rate reduction on eligible new KeyBank mortgages or HELOCs. Qualify through an eligible KeyBank relationship or by arranging automatic payments from an eligible KeyBank consumer checking account before the applicable closing deadline. The two qualification paths are alternatives and do not create a combined 0.50-point discount. |
| Personal, auto, and home-improvement loans | 0.75-percentage-point relationship discount, plus a separate 0.25-percentage-point Auto-Pay discount, for up to 1.00 percentage point total on eligible new loans. The discounts have separate requirements but may be combined. |
To qualify through relationship banking, customers generally must maintain an eligible KeyBank consumer checking account with at least five qualifying transactions per calendar month and own at least one additional eligible nonchecking “Plus 1” account. Eligible Key Private Bank checking relationships may also qualify.
Expiration date: No public expiration date listed.
Availability: Available on eligible products to qualifying Utah borrowers, subject to credit approval, product availability, and KeyBank requirements.
More official info: KeyBank relationship loan discounts
Referral Programs
No public consumer or ordinary business customer referral bonus is currently available from KeyBank for qualifying Utah customers.
Targeted, branch, employer-linked, relationship, digital, and customer-specific referral offers may still be available to selected customers.
Member Deals and Discounts
KeyBank customer deals currently include a 25% discount on eligible Trust & Will estate-planning services.
Trust & Will Estate Planning — 25% Discount
| Detail | Offer |
|---|---|
| Deal or discount | 25% off eligible Trust & Will estate-planning services. |
| Product type | Third-party estate-planning discount |
| How to qualify | Be a KeyBank client and access the Trust & Will offer through KeyBank’s official relationship-benefits or estate-planning page. |
| Eligible services | Eligible online estate-planning products offered through Trust & Will, subject to the partner’s current terms. |
| Potential cost | Trust & Will’s applicable price after the 25% discount. The service is not free. |
| Fine print | Trust & Will is an unaffiliated third party responsible for its products, pricing, website, and service availability. The service does not replace individualized legal or tax advice when professional guidance is needed. |
| Expiration date | No public expiration date listed. |
| Availability | Available to qualifying KeyBank clients in Utah, subject to Trust & Will’s service availability and current terms. |
| Who qualifies | Eligible KeyBank clients who access the partner offer through KeyBank. |
More official info: KeyBank Trust & Will discount
KeyBank’s relationship loan discounts are covered under Promotional Rates and are not repeated here.
Frequently Asked Questions
These answers summarize the most important details about current KeyBank promotions available to qualifying Utah customers.
Does KeyBank currently offer a checking account bonus?
Yes. Key Smart Checking currently offers a $300 welcome bonus, while Key Select Checking offers a separate $500 welcome bonus. Each account has its own offer code, opening deposit, direct-deposit requirement, and qualification terms.
Does Key Select Checking also pay an annual cash bonus?
Yes. The recurring $100 annual cash bonus is separate from the one-time $500 welcome bonus and is not a signup bonus. It requires at least $60,000 in eligible direct deposits during the 12-month evaluation period and at least one eligible direct deposit during the final two calendar months. The account must remain open and eligible through the payment date.
Does KeyBank offer savings account bonuses?
KeyBank does not currently advertise a public cash signup bonus for Key Active Saver or another standard consumer savings account available to qualifying Utah applicants.
Does KeyBank offer credit card bonuses?
No public cash or points welcome bonus was found for KeyBank’s current consumer credit cards. Eligible KeyBank business cards offer either a $200 cash welcome bonus or 100,000 points worth $200 after $1,000 in qualifying purchases within 60 days. Consumer and business cards may also offer 0% introductory APR periods, but those are promotional rates rather than welcome bonuses.
Are KeyBank promotions available in Utah?
The offers included on this page are available to qualifying Utah consumers or businesses, subject to product availability, account or credit approval, application-channel requirements, and the terms of each promotion.
Does KeyBank have a referral program?
No public consumer or ordinary business customer referral bonus is currently available from KeyBank for qualifying Utah customers.
Can KeyBank have promotions that are not advertised publicly?
Yes. KeyBank may provide targeted mail, email, digital, branch, employer-linked, relationship, preselected, or customer-specific offers that do not appear on its public website. Customers should review the complete terms of any targeted offer because its amount, deadline, eligibility requirements, and offer code may differ from the public promotions listed here.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
