Checking FAQs

You can view your account activity in any of the following ways:

• Sign on to Online Banking
• Use KeyBank’s mobile app
• Check your mailed statement if you are not enrolled for electronic statements
• Get mini statements at a KeyBank ATM
• Call 1-800-KEY2YOU^® (1-800-539-2968) and follow the voice prompts. Dial 711 for TTY/TRS.
• Visit a branch

You can order your personal checks with any of these easy options:

Online

• Use the Mobile App
• Order in Online Banking
• Order directly with Harland Clarke⁵, our preferred check provider

In person

• Visit your local KeyBank branch

By phone

• Call 1-800-355-8123 (Be sure to have both your account and routing number ready). Dial 711 for TTY/TRS.

The routing number is located on the lower left-hand corner of your check. You can find out more about the location of the routing number, including viewing a sample check, by clicking here, or by speaking with a KeyBank representative at 1-800-KEY2YOU^® (1-800-539-2968). Dial 711 for TTY/TRS.

To add an authorized signer, visit a KeyBank branch.

The availability of funds depends on the type of deposit you make and how it is deposited.

Same-day availability: Direct deposits of electronic payments, such as Social Security benefits and payroll direct deposits are available on the business day (excluding weekends and legal holidays) that the funds are due to you. Wire transfers received by 6:00 p.m. ET, cash deposits made in a KeyBank branch and cash deposits made at a KeyBank image ATM are available on the business day of deposit. Check deposits made at a KeyBank branch before closing and/or at a KeyBank ATMs before 7:00 p.m. local time on business days will have $100 of total check deposits available the same day and the rest will be available the first business after the day of your deposit if there are no holds on the account.

Some mobile check deposits made using the KeyBank mobile app may have the option to select Immediate Funds^{℠ 6} for a fee of 2% of the deposit or at least $2. Immediate Funds requests made before 11:00 p.m. ET will have immediate access to funds. Requests made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. However, it will take until the next business day for the funds to be available to cover overdrafts or other transaction types. For more information, review our Funds Availability Policy

Next-Day availability: U.S. Treasury checks payable to you, wire transfers received after 6:00 p.m. ET on a business day, and check deposits made at KeyBank ATMs prior to 7:00 p.m. local time are available the next business day if there are no holds on the account. ATM deposits made after 7:00 p.m. local time on business days or anytime on weekends or legal holidays will be considered deposited on the next business day and be available the following business day. Checks drawn on KeyBank National Association as well as in-person branch deposits will generally be available for withdrawal on the next business day. Deposits made by 11 p.m. ET in the KeyBank mobile app will be available the next business day.

Exceptions

There are a few exceptions that may delay your funds availability. If we delay your ability to withdraw funds for any of these reasons, we will notify you and tell you when the funds will be available.

Reasons for delay include, for example:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,525 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications equipment or other conditions beyond our control.
• You are a new client with a checking account opened for fewer than 30 days.

In case of a delay, your funds will generally be available for withdrawal no later than the fifth business day after your deposit.

More information, see our full funds availability policy, call 1-800-KEY2YOU^® or visit a nearby branch. Dial 711 for TTY/TRS.

KeyBank uses state-of-the-art technology to ensure your information is kept safe. We deliver a secure environment through a variety of methods, such as encryption, firewalls, and customer-controlled passwords.

Report the incident or theft as soon as possible, by contacting KeyBank at 1-800-KEY2YOU^® and following the voice prompts. Dial 711 for TTY/TRS. We also recommend you check your account online for potential fraudulent transactions. Learn more.

KeyBank offers detailed information about overdraft fees online, or you can speak to a representative.

You can quickly find your account number without a check in online and mobile banking—just sign on and select the account details. If you need help, contact us at 1-800-KEY2YOU.

Bill Pay allows you to pay your bills online without writing paper checks, buying stamps, or going to a post office.

Bill Pay is free for standard delivery of your electronic payments. If you need to get a payment out ASAP, use our Expedite Payment⁸ option with same day or next business day delivery date.

If you need a payment delivered on the same or next business day, we offer an Expedite Payment option, with same or next business day delivery. Our expedited payment option is available for $9.95. Just click the “Expedite Payment” after you select your payee. (Note: Expedited payments cannot be modified or canceled.)

Electronic expedited payments are sent immediately. The payment may take up to one business day to process but should be backdated to the date that you requested the expedited payment.

In some instances, you may not be able to edit the address information as KeyBank may already have a relationship with that payee and have the necessary billing information on file.

Yes. Multiple bill payments can be made when in online banking by selecting “Access Additional Bill Pay Features” above your payees. At this time, multiple payments cannot be made in Key’s mobile app.

To apply for a new checking account, you'll need the following:

• Your Social Security number
• One valid form of primary identification (i.e., driver’s license, valid passport, government-issued ID with photo and signature)
• Minimum opening deposit required (amount varies depending on type of account)

When the checking account application is submitted and approved, you’ll see your account number. You can use your account number to immediately enroll in online and mobile banking.

If you elected to receive a debit card, it will arrive 5-7 days after you make the initial deposit in your checking account. If you elected to receive checks, they will arrive in 10-14 days.

Once you’re at least 18 years old, you can open a KeyBank checking account independently online or in a branch.

If you’re at least 13 years old but under 18, parents or legal guardians may visit a branch to open an account in your name with themselves as the co-owner.

Yes, there aren't any restrictions on how many accounts you can open, whether at the same bank or at different banks.

Joint checking accounts are one account that has two owners, each with full control. So the account is shared and both owners may deposit and withdraw money. Usually, joint accounts are held by an individual, their spouse, partner, family member or business partner, but any two people can open a joint checking account together.

You can open a joint checking account in a branch or by phone. You may open an individual account and add a joint holder later, or you can open the account at one time together. You’ll both need to provide the personal information, including email, name, address, phone number, date of birth and Social Security number.

Typically, opening a checking account does not trigger a hard pull and does not hurt your credit score. Closing a checking account won’t usually affect your credit score, but it could if you close the account with a negative balance.