Mobile Check Deposit
Quick, easy and secure.
Enroll in KeyBank Business Online and download the mobile app to build your business balances anytime without a trip to a branch or ATM.
Access to Your Deposited Funds
When you make eligible deposits through the KeyBank mobile app, you’ll be able to choose between Immediate Funds℠ or Standard Deposit.1
- Immediate Funds – For a 2% fee, you can skip the processing time and access your money right away.
- Standard Deposit – Your money will be deposited as usual according to our standard processing times for no charge.
Need to access the money you’re depositing right away?
Immediate Funds℠ from KeyBank lets you access your money immediately when you make an eligible mobile check deposit.
Here’s how it works:
Deposit a check via the mobile app
Choose Immediate Funds for deposit timing
Fee = 2% of the deposit amount or a minimum of $2
Access your money instantly
Immediate Funds: Simple. Quick. Easy.
How to Use Mobile Check Deposit
Sign On to the Mobile App
Open or download the app. For security reasons, KeyBank Business Online only allows mobile deposits from within the U.S. or Canada, so ensure that your device has geolocation turned on.
Go to the Account You Want to Receive the Deposit
Select “Deposit.”
Sign Your Check
Sign the back of your check and write, “For KeyBank mobile deposit only.”
Take Photos of Your Check
Use the Front and Back boxes to take photos of each side of your signed check. Once all four corners of the check are displayed on your screen, the app will automatically take the photos. If Auto Capture doesn’t work, you can try taking the photo yourself using manual mode.
Submit the Deposit
Confirm that the deposit amount you entered matches the check amount, and then select “Submit Deposit.”
Choose Immediate Funds for Eligible Mobile Deposits or Standard Deposit
If your mobile deposit is eligible, you will be given the option to choose Immediate Funds. We’ll show you how much the fee will be up front, so there’s no math required.
Otherwise, your money will be deposited as usual according to our standard processing times for no charge.
Securely Store Your Check
Hold on to your check for 14 days after you’ve made the deposit to confirm that your account has received the funds you deposited. Then, you can destroy it.
How to Use Mobile Check Deposit
Open or download the app. For security reasons, KeyBank Business Online only allows mobile deposits from within the U.S. or Canada, so ensure that your device has geolocation turned on.
Select “Deposit.”
Sign the back of your check and write, “For KeyBank mobile deposit only.”
Use the Front and Back boxes to take photos of each side of your signed check. Once all four corners of the check are displayed on your screen, the app will automatically take the photos. If Auto Capture doesn’t work, you can try taking the photo yourself using manual mode.
Confirm that the deposit amount you entered matches the check amount, and then select “Submit Deposit.”
If your mobile deposit is eligible, you will be given the option to choose Immediate Funds. We’ll show you how much the fee will be up front, so there’s no math required.
Otherwise, your money will be deposited as usual according to our standard processing times for no charge.
Hold on to your check for 14 days after you’ve made the deposit to confirm that your account has received the funds you deposited. Then, you can destroy it.
Things to Know About Mobile Deposit
If your deposit is eligible and you select Immediate Funds:
- You can immediately access your funds if your deposit is made before 11:00 p.m. ET.
- Deposits made after 11:00 p.m. ET will have immediate funds availability for ATM withdrawal and point-of-sale transactions. It will take until the next business day for the funds to be available to cover overdrafts or other transaction types.
Standard Deposit
Your money will be deposited as usual according to our standard processing times for no charge. This means that your money could be available the next business day when you make your deposit before 11:00 p.m. ET.
Funds Availability
For more information, review our Funds Availability Policy. Once your check has cleared, you’ll see the amount added to your account in online and mobile banking.
Open or Download the App to Get Started
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Immediate Funds is available in the KeyBank mobile app and will only appear as an option for eligible mobile checks. You will also have the option for a standard deposit at no charge. The Immediate Funds fee is 2% of the deposit amount, with a minimum fee of $2.
Immediate 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.
Banking products and trust services are offered by KeyBank National Association.
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