If you’re thinking about opening a KeyBank account, learn how you can get a few hundred dollars for meeting some very easy criteria.
If you aren’t familiar with KeyBank, they are a “regional” bank with its headquarters in Cleveland, Ohio. They are FDIC insured (FDIC #17534) and are a National Bank regulated by the Office of the Comptroller of the Currency.
I put “regional” in quotes because people confuse regional with small, but they’re not a small bank. They have over a thousand locations spread out across sixteen states. It’s regional but it’s a big region. 🙂
KeyBank current offers one bonus:
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🔃 Updated May 2025 with the new details of the $300 bonus offer, expiring on 10/17/2025. The bonus amount has remained the same but the time frame for getting the direct deposits has increased to 90 days (up from 60).
💵 U.S. Bank – up to $400
Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through June 26, 2025. Member FDIC.
Get started with an initial deposit of $25 within 30 days. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
KeyBank $300 Checking Account Bonus Summary
- What you get: $300
- Who qualifies: AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, and WA
- Where to open: Online
- How to get it:
- Open a Key Smart Checking® account,
- Make an opening deposit of $10 to fund your account,
- Next, make a total of $1,000 or more in eligible direct deposits within the first 90 days of account opening,
- Collect $300!
- When does it expire: 10/17/2025
KeyBank Checking Account — $300
This is their publicly available offer – get $300 for opening a Key Smart Checking® account with the minimum opening deposit of $10, plus make a total of $1,000 or more in eligible direct deposits within the first 90 days of account opening.
Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
(Only available in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, and WA.)
👉 Learn more about this KeyBank offer
(Offer expires 10/17/2025)
Previous KeyBank Promotion Codes
We started keeping tracking of the promotion codes based on the date of expiration (deleting those once they’re so far out of date you aren’t likely to need it!), so if you need to know that, here is what we know from previous promotion:
- For the period ending 3/8/2024 – the code was ONAF1223
- For the period ending 7/19/2024 – the code was ADSA0324
- For the period ending 12/13/2024 – the code was ADSA0724
- For the period ending 5/16/2025 – the code was ADSA1224
- For the period ending 10/17/2025 – the code was ADSA0324
For what it’s worth KeyBank tends to stick with a predicable pattern for their codes. 😀
KeyBank Checking Account – $400 Bonus [Targeted] [EXPIRED]
There is also a targeted $400 bonus with the same terms but a promotion code of RETK0123 and expiration date of 3/3/2023.
If you try to use the $400 code instead of the $200 one, they ask you for a “personalized offer/coupon/promotional code” (which is the targeted part).
“You must have received a personalized offer/coupon/promotional code directly from KeyBank via mail or email and enter an offer/reservation code at the time of account opening to qualify.”
(Offer expired 3/31/2023)
KeyBank Referral Program – $100 [EXPIRED]
KeyBank has a referral program where existing customers can refer new customers and earn $100 each as long as the new customer satisfies a few conditions.
The process has to be started by visiting this page and entering the email address of the primary account holder. From there, follow the prompts to send the referral.
For the new customer, you have to “open a new qualifying checking account with minimum opening deposit by December 31, 2022 and makes one direct deposit of at least $500 in the first 60 days.”
The bonus will be deposited within 60 days of meeting the requirements. Both people get $100.
As an existing customer, you can get up to 5 referrals ($500) per year.
(Offer expired 12/31/2022)
Key@Work KeyBank Checking Account — $250 [EXPIRED]
This promotion is a little more limited that you have to be working at a company that offers the Key@Work program. Key@Work is a wellness program that offers financial education, one-on-one advice, and other discounts through employers.
If you do, you’re in luck because KeyBank will give you $250 when you open a Key Advantage Checking, Key Privilege Checking, or Key Privilege Select Checking® account with offer code ONKW0120 and make one direct deposit of $1,000 or more within 60 days. (the $1,000 increases to $2,500 for Key Privilege Checking and $5,000 for Key Privilege Select Checking)
Keep an eye on the monthly fees and what you need to do to get them waived. They differ based on the type of account and the minimum deposit amount is $50. Full details on the promotion page. Also, if you close your account within 180 days of opening it, they will charge a $25 account early closure fee.
Offer code ONKW0121 and enter your reservation number if prompted.
(Key@Work seems to only be available in Albany NY, Colorado, Columbus OH, Central IN, Connecticut, Maine, Oregon, Seattle WA and Utah.)
(Offer expired 6/25/2021)
Pros & Cons
The big pro is that they have a large geographic footprint and the bonus is pretty easy to get. It’s not difficult to set up make a total of $1,000 or more in eligible direct deposits within the first 90 days of account opening.
Your bonus will be reported as taxable interest on Form 1099-INT. This isn’t really a “con” as this happens with every bank but you still want to keep a little aside for the taxman.
Be sure to read over our guide on bank account bonuses so you are aware of all the different things to watch out for whenever you try to cash in one this bonus.
KeyBank Routing Numbers
Are you looking for the routing numbers for KeyBank? If so, it’s easy to find.
If you already have an account, the simplest way is to go into the KeyBank app and look it up under account information. You’ll have to click “Show” to reveal the Routing Number for your account.
If you don’t have the app, you can log into your online banking account and find it on the right hand side of the screen under Account Info. Again, you’ll have to click “Show” to show the Routing Number.
Otherwise, you can look it up on your check – it’s the nine digit number at the bottom. The other two numbers down there are your account number (usually longer than 9 digits) and the check number.
Finally, if you don’t have any of those options, you can look it up based on the state in which you opened the account. Look it up on the table below:
| State | ABA Routing Number |
|---|---|
| Alaska | 125200879 |
| Colorado | 307070267 |
| Connecticut | 021300077 |
| Florida | 041001039 |
| Idaho | 124101555 |
| Indiana | 041001039 |
| Maine | 011200608 |
| Massachusetts | 021300077 |
| Michigan | 041001039 |
| New York | 021300077 |
| Ohio | 041001039 |
| Oregon | 123002011 |
| Pennsylvania | 021300077 |
| Utah | 124000737 |
| Vermont | 211672531 |
| Washington | 125000574 |
Why are there different ABA routing codes for one bank? Over the years, Key Bank has acquired other banks. In those cases, it keeps the ABA routing numbers of those banks so those customers don’t have to change everything in the acquisition. It’s a matter of convenience and the system is built for banks to have multiple routing numbers for a single bank.
How Does This Bank Bonus Compare?
How does it compare to other bank bonus offers?
This offer is average. We maintain a list of the best bank promotions and you can see some of the top offers out there.
U.S. Bank – up to $400
Earn up to $400 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
Get started with an initial deposit of $25 within 30 days. Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
BMO Checking – $400
BMO is offering a $400 bonus* when you open a BMO Checking account and you have a cumulative total of $4,000 in qualifying direct deposits within 90 days of account opening between 5/5/25 - 9/8/25. It is a very straightforward offer that is available nationwide.
*Conditions apply
Bank of America – $300 Bonus Offer
Bank of America offers a $300 Bonus Offer cash bonus if you open a new account and Set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer. It has a monthly fee that is easy to have waived.
Chase Total Checking® – $300
Chase Bank will give you $300 when you open a Total Checking account and set up and receive direct deposits totaling $500 or more within 90 days. There is a $12 monthly fee that is waivable with a monthly direct deposit of just $500, so no gotchas on this deal!
As you can see, KeyBank’s offer is a fair one if you can meet the requirements and worth getting.
Will you be taking advantage of this key opportunity? 🙂 (sorry, not sorry)
No no no, you can’t open the account with just the offer code, it’s targeted – when you go in they ask for a reservation code as well. People are wasting their time trying..
To the person below, you’re wrong. I just opened a keybank checking account online using their website, and after clicking to open a checking account with them, it asks if you have a promotional code which is where you will enter the code he mentioned on this post (enter the promo code: ONAS1120).
Thank you to the person who published this offer here!