Image Cash Letter FAQs

Acknowledgements are sent via message posted in the SFTP “inbox” within 45 minutes, detailing whether file processing is complete or an error message was received. File totals are also included (item count and total amount).

The Key Image Cash Letter application performs duplicate item detection for any deposits made at that location during the previous 10 business days.

Key uses standard image quality analysis to ensure compliance with banking regulations. Rejected items pass through a virtual item repair interface to address image quality issues.

Files processed and deposits received prior to 12:00 p.m. ET will be given same-day ledger credit. Files received later than that cut-off will be processed beginning at 7:00 a.m. ET the following business day.

No, only items drawn on a U.S. account, in U.S. dollars, and for a U.S.-based customer may be deposited.

KeyNavigator Information Reporting allows you to view deposits and account information online through Previous Day Reporting. For deposits made before 2:00 p.m. ET, KeyNavigator Intraday Reporting will provide detailed funds availability reports on the same business day of a deposit.

KeyNavigator Returned Item Reports provides information and images of returned items, and is located in the Image Research Center (IRC) under the Research & Reporting section. The IRC extends the retention period for deposited items to seven years. You are able to search for deposited images based upon specific information or a range of information, such as dates, account numbers, dollar amounts, or other criteria. Items can be viewed, printed, or saved from within the archive.

Yes, returned items may be re-presented up to two times (three total presentments).

Virtual Item Processing (VIP) VIP_Processing@keybank.com  is available from 6 a.m. ET to 4 a.m. ET the following day, Monday – Friday.  We also have a separate support team dedicated to transmission issues. If you have issues with your transmission connectivity, you will engage our Transmission Support team at 800-539-6434. Dial 711 for TTY/TRS. They are available Monday through Friday, 8 a.m. to 9 p.m. ET, excluding federal holidays.