KeyBank
Key Select Checking Bonus
Higher modeled net value with a comparable qualification profile.
KeyBank
Earn $300 with Key Smart Checking after qualifying direct deposits.
This is a classic checking-bonus execution page: the upside is meaningful if qualifying direct deposit is easy for you and the bonus still clears fees. The model lands at about $300 net, so the decision is really about operational fit, not just the headline.
Gross bonus
$300
Headline payout before any modeled fee drag.
Funding threshold
$2,000
$2,000+ qualifying direct deposit
Time to clear
~5 months
Longer runway: plan on about 150 days before the account is truly done.
Friction
High friction
Higher cash commitment, longer hold periods, or several moving parts make this a more hands-on execution play.
Direct deposit
$2,000+ DD
Qualifying payroll or ACH
Opening deposit
$10
Minimum cash to start
Hold period
150 days
Keep open through payout
Fee
No fee
No recurring fee modeled
Bonus ROI
15.0%
Bonus vs required funding
Execution Summary
Primary requirement
Route $2,000+ in qualifying direct deposit.
Primary constraint
Keep the account open for ~5 months.
Execution model
Works best if you can route qualifying direct deposit, fund the account with at least $10, and keep it active for ~5 months.
Checklist
3 steps
At opening
Fund it with at least $10 and save a copy of the offer terms before you begin.
During qualification window
Send at least $2,000 in qualifying direct deposits and verify the bank counts them correctly.
Through day 150
Plan on about ~5 months before you consider the offer done.
Good Fit If
Think Twice If
Watch For
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Next Move
If this offer is the one you want to anchor around, send it straight into the planner and let it decide whether this bank bonus should be first, deferred, or left out.
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