Citizens Bank vs KeyBank
Citizens Bank is an online savings account with an impressive rate and no fees. How does it compare to KeyBank? Read our comparison chart below.
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.
While 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.
Compare Citizens Bank with KeyBank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Learn More | Visit Site | |
Citizens Bank | KeyBank | |
|---|---|---|
Personal Checking and Savings Account - $400 Bonus - | Key Select Checking® - $500 Bonus - | |
Benefits and Features | ||
| Savings | 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. | 0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account. |
| CD | Several types of CD accounts. Terms ranging from 4-14 month. 3.10% - 4.00% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 4-Month and 7-Month; $1,000 for 14-Month online CD. | Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. |
| Money Market | 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. | 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. |
| ATMs | 40,000+ KeyBank and Allpoint ATMs nationwide | |
| Customer Service | 24/7 Telephone Customer Service | Telephone Service available 24/7 |
| 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. | |
CreditDonkey® Reviews | ||
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| Pros & Cons | Pros:
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| Bottom Line | Online savings account with an impressive rate and no fees... | Bank with a variety of deposit products and great financial tools... |
| Learn More | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citizens Bank: Pricing information from published website as of 02/28/2026 based on 10011 zip code. KeyBank: Pricing information from published website as of 04/02/2026 based on 44114 zip code. | ||
Key Select Checking® - $500 Bonus
- 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
- 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: Citizens Bank or KeyBank?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citizens Bank or Bank of America.
In short: Citizens Bank's savings is worth mentioning.
Articles on Citizens Bank
Citizens Bank High Yield Savings
Citizens Bank Problems
Articles on KeyBank
KeyBank Review
KeyBank Routing Number
Which Do You Think is Best?
Which Bank Account is Right for You?
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