KeyBank vs U.S. Bank
KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to U.S. Bank? 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. KeyBank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.
While U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.
Compare KeyBank with U.S. Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Learn More | |
KeyBank | U.S. Bank | |
|---|---|---|
Key Select Checking® - $500 Bonus - | U.S. Bank Investment Account - $1,000 Bonus | |
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. | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. |
| CD | Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. |
| Checking | ||
| Money Market | 1.90% 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. | 0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance. |
| Mobile App | ||
| ATMs | 40,000+ KeyBank and Allpoint ATMs nationwide | 4,700+ U.S. Bank ATMs across the country |
| Customer Service | Telephone Service available 24/7 | 24/7 Live Customer Service (Telephone) |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | 1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington. | |
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD |  | |
| Checking | | |
| Money Market | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Bank with a variety of deposit products and great financial tools... | Big national bank with wide array of services and many account options... |
| Visit Site | Learn More | |
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 05/07/2026 based on 44114 zip code. U.S. Bank: Pricing information from published website as of 04/28/2026 based on 91107 zip code. | ||
Key Select Checking® - $500 Bonus
Earn $500 after qualified activities until 5.22.26 with interest-bearing Key Select Checking®.
- Open a Key Select Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $50 and make 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.
Key Smart Checking® - $300 Bonus
Earn $300 after qualified activities until 5.22.26 with the no-monthly-maintenance-fee Key Smart Checking®.
- Open a Key Smart Checking® account online by May 22, 2026.
- Make the minimum opening deposit of $10 and 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 U.S. 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 Bank of America.
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 U.S. Bank
U.S. Bank Review
Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.
U.S. Bank Savings Account Interest Rate
U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.
Who Owns U.S. Bank
U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.
U.S. Bank Business Checking Requirements
Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.
U.S. Bank Problems
U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.
U.S. Bank vs Chase Business Checking
U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.
U.S. Bank Checking Account Bonus
Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.
U.S. Bank Business Checking
Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.
U.S. Bank Routing Number
To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.
Which Do You Think is Best?
Which Bank Account is Right for You?
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