Keys Totally FREE CASH BACK Checking

 

〰️“I am new to the area and went into the branch for information on how to open an account. I’ve never had better customer service. The teller was extremely knowledgeable and took her time explaining everything to me. She made me feel extremely comfortable. I will definitely be banking with Keys FCU.” Jessica H.

〰️“I am new to the area and went into the branch for information on how to open an account. I’ve never had better customer service. The teller was extremely knowledgeable and took her time explaining everything to me. She made me feel extremely comfortable. I will definitely be banking with Keys FCU.” Jessica H.

A Keys Totally FREE CASH BACK Checking account is your best choice for free and convenient banking. Start earning cash rewards immediately with your Keys Debit Mastercard—issued right when you open your account.

Save time and money with premium features included at no extra cost:

  • No monthly maintenance fees or minimum balance requirements.

  • Earn up to $15 CASH BACK every month based on your rewards level.

  • FREE Nationwide ATM access and unlimited surcharge-free use of all Keys FCU ATMs.

  • Mobile Wallet & Card Manager: Access your funds via Apple Pay, Google Pay, or Samsung Pay.

  • Peer-to-Peer Ready: Easily connect to Venmo, CashApp, and other payment apps.

  • ITIN Friendly: We proudly offer checking accounts to members with ITINs.

  • Instant Peace of Mind: Real-time transactions with no 2 p.m. cut-off.

Open Your Account Online Now
Visit a Local Branch

Get Paid when you use your Keys Debit Mastercard®!

Meet the qualifications below to EARN UP TO $15 CASH BACK and FREE Nationwide ATMs every month.

How the Cash Back Rewards* Program Works

To qualify for rewards, you simply need a Keys Savings Account, a Totally FREE CASH BACK Checking Account, a Keys Debit Mastercard, and enrollment in e-Receipts and e-Statements.

CASH BACK Rewards:

Level 1:

Level 2:

Level 3:

Earn 1% CASH BACK on the dollar value of your Keys Debit Mastercard transactions up to: $5.00 $10.00 $15.00
Plus, the following number of FREE Nationwide ATM withdrawals1: 0 2 3
When you complete the following number of Keys Debit Mastercard transactions: 15 or more 25 or more 40 or more
And, have one (1) direct deposit into your Keys Totally FREE Checking Account (S15). n/a 1 1
And, you must also have the following Keys Lending services for Level 2 and 3 Rewards2: n/a At least one (1) Keys Consumer or Business Loan, Visa Credit Card or Mortgage or HELOC. At least two (2) Keys Consumer or Business Loans, Visa Credit Card or Mortgage or HELOC.
*Rewards calculated per calendar month and are automatically deposited into your S15 Checking Account at month end. Program may be cancelled or modified at any time. Restrictions may apply.
  1. Up to 2 non-Keys FCU ATM fee refunds or a total of $11.00 per month for Level 2 Rewards and up to 3 non-Keys FCU ATM fee refunds or a total of $16.50 per month for Level 3 Rewards.
  2. Payments must be current and account must have a balance at month end.

Additional Free and Convenient Services

Your Keys FCU checking account comes packed with digital tools to manage your money from Key West to Marathon:

  • Online Banking
  • Mobile Banking: with Mobile Deposit1
  • Keys Card Manager: A FREE mobile app that lets you manage your Keys debit and credit cards from your smartphone
  • Keys Bill Pay: pay your bills electronically. No stamps or envelopes required
  • Keys EzPay: transfer funds to and from other accounts, people, and financial institutions online
  • Keys Ez Saver: automatically save your "change" every time you use your Keys Debit Mastercard
  • Access to a Keys EzCash Line of Credit for Overdraft Protection, cash shortages, and unplanned expenses.2
  • Annual Credit Report Review to ensure your report is accurate and to check your score
  • Notary Service
What to Bring to open an account

1Restrictions may apply to Mobile Deposit.
 2Subject to credit approval. Restrictions may apply.

Contact member services or see our Fee Schedule and Rate Sheet for complete details and eligibility. Fees may reduce earnings.

Common Questions About Keys Checking (FAQ)

Can I open a checking account with an ITIN?

Yes! Keys Federal Credit Union is proud to serve our community by offering checking and savings accounts to members with ITINs.

Where can I find a Keys FCU branch? 

We have convenient locations throughout the Florida Keys, including branches in Key West, Big Pine Key, and Marathon. You can also access your account through our mobile app 24/7.

Is there really no monthly fee?

Correct. Our Totally FREE CASH BACK Checking has no monthly maintenance fees and no minimum balance requirements to maintain the account.