Current vs KeyBank
Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to KeyBank? Read our comparison chart below.
Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.
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. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.
Compare Current with KeyBank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Visit Site | |
Current | KeyBank | |
|---|---|---|
Build Credit While You Bank - | Key Smart Checking® - $300 Bonus - | |
Benefits and Features | ||
| Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 | 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). |
| CD | Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. | |
| Checking | Earn up to 15x points on purchases at participating merchants | |
| Monthly Fee | ||
| Kids Debit Card |  | |
| Money Market | 2.03% 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. | |
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free access to 40,000+ Allpoint ATMs | 40,000+ KeyBank and Allpoint ATMs nationwide |
| Customer Service | Telephone Service available 24/7 | |
| 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 | Simple, digital-only banking app with impressive bonus and cashback... | Bank with a variety of deposit products and great financial tools... |
| Visit Site | 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. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. KeyBank: Pricing information from published website as of 08/06/2025 based on 44114 zip code. | ||
Build Credit While You Bank
- Get Paid Up to 2 Days Faster
- Build credit and earn points with every swipe
- 40,000 fee-free Allpoint ATMs in the U.S.
- No credit check, minimum balance or hidden fees
Current Savings - Up to 4.00% bonus
- 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by October 17, 2025.
- Make the minimum opening deposit of $10, plus a total of $1,000 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: Current 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 Current or Bank of America.
In short: Current's savings and checking are worth mentioning. In particular, the checking is outstanding. KeyBank's customer service is noteworthy.
Articles on Current
Current Banking Review
Articles on KeyBank
KeyBank Review
