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Laurel Road Checking®

Online checking with rewards tailored to your needs.

You’ve got choices. With our new Loyalty Checking account, you can earn cash rewards with your qualifying direct deposits, or you can lower your student loan refi rate when you open a Linked Checking account during refinance.

Smart Checking Solutions

Get rewarded with everyday checking.

Laurel Road Loyalty CheckingSM

Get paid each month with cash rewards.

Earn simple cash rewards, every month, just for setting up qualifying direct deposits.

Learn More

Laurel Road Linked CheckingSM

Save on your student loans with refi rate discounts.

Lower your student loan refi rate with monthly discounts for qualifying direct deposits.

Learn More

Benefits of Laurel Road Checking

Full-service checking with the convenience of a digital bank.

Mobile Check Deposit

Deposit your checks on-the-go.

40,000 No-Fee ATMs

Locate 40,000 KeyBank & All-point ATMs.1

Send Money with Zelle®

Easily send money to family & friends.2

Bank Securely

Deposits are FDIC insured up to $250,000. KeyBank, N.A. Member FDIC.3

Online Bill Pay

Pay your bills from anywhere, anytime.

No Monthly Fees

No monthly maintenance fees or minimum balance requirements.

Laurel Road Mobile App

Bank On-the-Go. Anytime. Anywhere.

Get fast, easy, secure access to your Laurel Road accounts in one place: view account balances and activity, send and receive money with Zelle®, deposit checks, manage bill payments, and more—all available 24/7, right from your mobile device.

Apple App Store | Google Play Store


All credit products are subject to credit approval

If you are refinancing any federal student loans with Laurel Road, you will no longer be able to take advantage of any federal benefits, including but not limited to: COVID-19 payment relief, Income Based Repayment (IBR), Pay As You Earn (PAYE), or Revised Pay As You Earn (REPAYE), and Public Service Loan Forgiveness (PSLF). For more information about the benefits of these federal programs and other federal student loan programs, please visit https://studentaid.gov.

  1. No surcharge when using your Laurel Road debit card at KeyBank ATMs or Allpoint ATMs located within the 50 United States and Washington D.C. Click Here to Find Your ATMs

  2. Available to bank account holders in the U.S. only. If your recipient is not yet registered with Zelle, it could take between 1 and 3 days once they complete registration. To receive money in minutes, the recipient’s email address or mobile number must already be registered with Zelle.

    Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

  3. Deposits are insured up to the maximum allowable limit. Laurel Road is a brand of KeyBank N.A. All single accounts owned by the same person at KeyBank N.A. are added together and insured up to the maximum allowable limit. To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov.

  4. Fees may reduce earnings on the account. National average Annual Percentage Yield (APY) reported by the FDIC as of 11/21/2022 (fdic.gov/regulations/resources/bankers/national-rates).

  5. The variable Annual Percentage Yield (APY) indicated is accurate today only and is subject to change before or after account opening. No minimum balance is required to earn the APY. Fees may reduce earnings on the account. Click here for current rates.

This information is current as of June 16, 2022. Information and rates are subject to change without notice.