KeyBank vs Axos Bank

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to Axos 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 Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

Compare KeyBank with Axos Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	KeyBank	Axos Bank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Key Select Checking® - $500 Bonus - Learn More Read KeyBank Review	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review
	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.	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)
CD	Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking		Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
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.	0.25% APY
Mobile App		iOS & Android
ATMs	40,000+ KeyBank and Allpoint ATMs nationwide	approximately 91,000 partner ATMs
Customer Service	Telephone Service available 24/7	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.	Online only
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
Customer Service
ATMs
Locations
Pros & Cons	Pros: Key Financial Wellness Review tool Free checking option 24/7 customer service Cons: Limited branches High account fees	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches
Bottom Line	Bank with a variety of deposit products and great financial tools... Read full review	Full-service online bank with excellent checking and savings... Read full review
	Visit Site	Learn More
	Key Select Checking® - $500 Bonus Key Smart Checking® - $300 Bonus Personal Checking Account - $100 Bonus	Basic Business Checking Business Premium Savings - Up to 3.60% APY Axos ONE - Earn up to 4.21% APY
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. Axos Bank: Pricing information from published website as of 05/12/2026.

Member FDIC

Key Select Checking® - $500 Bonus

Learn More

Expires in 4 days

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.

Member FDIC

Key Smart Checking® - $300 Bonus

Learn More

Expires in 4 days

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 Axos 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.

In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent.

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.