{"account":{"slug":"keybank-checking","bank":"KeyBank","name":"Personal Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.key.com/personal/checking/key-smart-checking-account.html","history":[{"date":"2026-06-11","apy":"None","monthlyFee":"$0 (both Key Smart and Hassle-Free)","minimumOpen":"$10","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None","monthlyFee":"$0 on Key Smart Checking, no minimum balance","minimumOpen":"$10","atm":"Free at 40,000 KeyBank and Allpoint ATMs nationwide","note":"Reconfirmed no monthly fee, $10 opening deposit, $20 overdraft cushion and ATM network; public offer pays $300 for $2,000 in direct deposits within 90 days on accounts opened by December 11, 2026","sourceUrl":"https://www.key.com/personal/checking/key-smart-checking-account.html","sourceLabel":"KeyBank Key Smart Checking product page"}],"verificationEvents":[{"id":"8dc0d99b-f1e5-489f-a551-d43c2cd7dc60","entityType":"bank-account","slug":"keybank-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:18.318Z","sourceUrl":"https://www.key.com/personal/checking/key-smart-checking-account.html","sourceLabel":"KeyBank Key Smart Checking product page","outcome":"unavailable","summary":"Official page returned HTTP 403 to WebFetch and an HTTP/2 protocol error to headless Chrome and curl; record left unchanged","changedFields":[],"previousHash":"47781b83a8dafa04290a776312fb9106addf5275725614cf6fc31a5495e0cfd9","recordHash":"3c90faa25176dd8d5ee530cf9587ff4c915cfcc4f71ceb42c479ed4d1474800e"},{"id":"b2d92d26-7dc1-4249-9a84-f568059e2aac","entityType":"bank-account","slug":"keybank-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:32:58.432Z","sourceUrl":"https://www.key.com/personal/checking/key-smart-checking-account.html","sourceLabel":"KeyBank Key Smart Checking product page","outcome":"confirmed","summary":"No monthly fee, $10 opening deposit, $20 overdraft cushion and 40,000 ATMs confirmed; $300 bonus for $2,000 DD by 12/11/2026","changedFields":["termHistory"],"facts":{"monthlyFee":0,"minimumOpen":10},"previousHash":"b604466164b0e479eeafe423eeb3e1356f6452bc0ac9959f4473a6cfa6fd528a","recordHash":"e7ea1a8cc2e219ca04d4522c4bb773c3342f43a691ddca28adc27c2bae6950cc"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}