KeyBank vs Chase

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to Chase? Read our comparison chart below.

KeyBank has over 1,000 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

Compare KeyBank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	KeyBank	Chase
	Member FDIC	Member FDIC
	Visit Site	Visit Site
	SPECIAL OFFER Key Select Checking® - $500 Bonus - Learn More Read KeyBank Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings	0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account).	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	2.01% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account.
Mobile App		iOS & Android
ATMs	40,000+ KeyBank and Allpoint ATMs nationwide	15,000+ Chase ATMs
Customer Service	Telephone Service available 24/7	Automated service available 24/7
Locations	1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Key Financial Wellness Review tool Free checking option 24/7 customer service Cons: Limited branches High account fees	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Bank with a variety of deposit products and great financial tools... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Visit Site
	Key Select Checking® - $500 Bonus Key Smart Checking® - $300 Bonus KeyBank Hassle-Free Account® - $300 Bonus	Chase First Banking Referral Program - Up to $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. KeyBank: Pricing information from published website as of 09/02/2025 based on 44114 zip code. Chase: Pricing information and data points from published website as of 08/26/2025.

Member FDIC

Key Select Checking® - $500 Bonus

Learn More

Expires 12/19/2025

Earn $500 after qualified activities until 12.19.25 with interest-bearing Key Select Checking®.

Open a Key Select Checking® account online by December 19, 2025.
Make the minimum opening deposit of $50, plus a total of $5,000 or more in eligible direct deposits within the first 90 days of account opening.
Your $500 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.

Member FDIC

Key Smart Checking® - $300 Bonus

Learn More

Expires 12/19/2025

Earn $300 after qualified activities until 12.19.25 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by December 19, 2025.
Make the minimum opening deposit of $10, plus a total of $2,000 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.

Member FDIC

KeyBank Hassle-Free Account® - $300 Bonus

Learn More

Expires 12/19/2025

Earn $300 after qualified activities until 12.19.25 with the no-monthly-maintenance-fee KeyBank Hassle-Free Account®.

Open a KeyBank Hassle-Free Account® online by December 19, 2025.
Make the minimum opening deposit of $10, plus a total of $2,000 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.

Which is Better: KeyBank or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing KeyBank or U.S. Bank.

Articles on KeyBank

KeyBank Review

Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

Key Bank Routing Number

Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.

Articles on Chase

Chase Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Bank Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Bonus

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.