KeyBank vs Citizens Bank

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

KeyBank has over 1,200 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 Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

	KeyBank	Citizens Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Key Smart Checking® - $300 Bonus - Learn More Read KeyBank Review	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank 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).	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.	Several types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market	2.92% 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.	Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
ATMs	40,000+ KeyBank and Allpoint ATMs nationwide	3,300+ ATMs across 14 states
Customer Service	Telephone Service available 24/7	24/7 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.	1,000+ branches in 14 states
	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: One Deposit Checking GoalTrack Savings 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches
Bottom Line	Bank with a variety of deposit products and great financial tools... Read full review	East Coast bank with solid deposit products to help meet goals... Read full review
	Visit Site	Learn More
	Key Smart Checking® - $300 Bonus	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 7-Month CD - 4.50% APY
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 08/07/2024 based on 44114 zip code. Citizens Bank: Pricing information from published website as of 11/25/2024 based on 10011 zip code.

Member FDIC

Key Smart Checking® - $300 Bonus

Learn More

Expires 5/16/2025

Earn $300 after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking®.

Open a Key Smart Checking® account online by May 16, 2025.
Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 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 Citizens Bank?

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 Chase.

In short: KeyBank's mobile app is noteworthy. Citizens Bank's savings and customer service are worth mentioning. In particular, the customer service is impressive.

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.

KeyBank 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.