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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 1,100 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
Member FDIC
 Visit SiteLearn More
 

KeyBank

Citizens Bank

SPECIAL OFFER
Key Smart Checking® - $300 Bonus - Learn More

Read KeyBank Review

SPECIAL OFFER
Personal Checking Account - $400 Bonus - Learn More

Read Citizens Bank Review

 

Benefits and Features

Savings0.01% 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.
CDStandard 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 8-14 month. 2.75% - 5.25% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market2.92% 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.
ATMsMore than 40,000 KeyBank and Allpoint ATMs nationwide
3,200 ATMs across 14 states
Customer ServiceTelephone Service available 24/724/7 Telephone Customer Service
IRA CD Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
LocationsMore than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
1,100 branches in 14 states
 

CreditDonkey® Reviews

 KeyBank
SavingsStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarEmpty Star
CDStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarHalf StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarStar
Pros & ConsPros:
  • 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 LineBank with a variety of deposit products and great financial tools... Read full reviewEast Coast bank with solid deposit products to help meet goals... Read full review
 Visit SiteLearn More

Key Smart Checking® - $300 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 07/11/2024 based on 44114 zip code.

Citizens Bank: Pricing information from published website as of 06/05/2024 based on 10011 zip code.

KeyBank
Member FDIC

Key Smart Checking® - $300 Bonus

Expires 12/13/2024
Earn $300 after qualified activities until 12.13.24 with the no-monthly-maintenance-fee Key Smart Checking®.

  • Open a Key Smart Checking┬« account online by December 13, 2024.
  • Make the minimum opening deposit of $10, plus one 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.

Articles on Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Citizens Bank High Yield Savings

Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

Citizens Bank Problems

While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

Which Do You Think is Best?


Which Bank Account is Right for You?


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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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