KeyBank Fees for Checking Accounts
The details on fees and how to avoid them.
The more you know about our fees, the easier it will be for you to avoid them. We’ll always be up front about fees and other charges you might encounter with each of our checking accounts – so there are no surprises and you can keep more money in your pocket.
Common Fees for Checking Accounts
Which checking account do you want fee information about?
Key Smart Checking®
Basic, everyday checking with no monthly maintenance fees, and no minimums. Plus, paper checks and every digital feature.
Key Smart Checking® Fees
Key Select Checking®
Interest-bearing account with built-in money saving features like limited ATM fee reimbursement.
Key Select Checking® Fees
KeyBank Hassle-Free Account®
An easy to use, checkless, online account with no monthly maintenance fees.
KeyBank Hassle-Free Account® Fees
Fees for other KeyBank Checking Accounts
Key Coverage Zone®
With Key Coverage Zone, if the unexpected happens and your account’s overdrawn by $20 or less at the end of the day, you won’t see an overdraft fee from KeyBank.1
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Overdraft Item Charges are $20 per item. Charges apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft charges will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in authorizing Key to pay these items into overdraft and assess a charge. You agree to pay us the full amount of any overdraft on your Account immediately upon demand, together with any additional charges we assess. KeyBank’s approval of overdrafts is a discretionary courtesy. For Consumer accounts: No charges will be assessed when the account is overdrawn twenty ($20) dollars or less at the end of the day. Overdraft charges are assessed on up to three (3) items per day, with the maximum not to exceed $60 per day per account. Overdraft charges may not post on the same day as the transaction which triggers the fee(s). There is a cap of 20 assessed overdraft charges within a monthly statement period. If at the end of the day, your account’s overdrawn available balance is more than $20 for 5 consecutive business days, an additional $20 Recurring Overdraft Service Charge will be assessed. See your accounts Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.