Applying Online FAQs

Quick access to your top questions

I can't sign on to Online Banking. What should I do?
If you do not know your user ID or password, please select the "forgot" link next to the related field and follow the steps. If you cannot successfully reset your user name or password or you continue to be locked out for other reasons, call customer service at 800-539-1539 in order to regain access to Online Banking.
Where can I find my routing number?
You can find the transit/ABA routing number in the lower left corner of your checks or from the list of routing numbers by state.
How can I avoid overdraft and non-sufficient funds fees?
There are several options available to help, each one designed to match your account(s) and style of banking. Plus, learn about what happens when an overdraft occurs and the simple steps you can take to avoid these fees.
Does KeyBank offer rewards programs?
Yes, we offer KeyBank Relationship Rewards® which provides the opportunity to earn points through everyday banking activities, and by making purchases on your KeyBank credit card.
How do I order checks?
You have several options for ordering checks. If ordering checks for the first time, call 800-355-8123. In Online Banking click on the My Online Banking tab, then Order Checks.
What should I do if I have an unauthorized debit card transaction on my account?
If you notice an unauthorized purchase on your account, report it by calling 800-KEY2YOU® (539-2968) and following the prompts for fraudulent activity. We will review your account with you to verify recent activity and initiate a dispute for the unauthorized transaction(s). If necessary, we may also block the card to prevent additional unauthorized transactions and have a new card issued to you.

Submitting Application

What type of products can I apply for online?

You can apply for up to four products* at one time, including:

What do I need in order to apply online?

Each product will require different information specific to that product but in general, all applications will require:

  • Social Security number
  • Email address
  • Date of birth
  • Home address for past 2 years
  • Employment information for past 2 years
  • Driver's license or secondary form of identification
  • Checking account and routing numbers you will use to fund your new account
How do I make an opening deposit when opening a checking or savings account online?

There are three options that you can select from:

  • Transfer from an existing KeyBank account
  • Transfer from an account at another bank or financial institution
  • Transfer from a MasterCard or Visa
When I apply for a new KeyBank credit card, can I transfer a balance from one of my other cards?

Yes you can make up to 6 balance transfers at the time of application when applying for a KeyBank credit card. You cannot transfer balances from other KeyBank credit cards or lines of credit.

If I don't have all the information to submit my application, can I save it and come back later?
We offer the ability to save your deposit or credit application and return to complete it within 30 days.
How do I request a debit card when opening my new checking account?
You can request a debit card during the application process. If you are looking for a debit card for an existing checking account, you need to visit a KeyBank branch or contact us at 888-539-1234.
Does KeyBank accept applications from non-U.S. citizens?
Yes, however a Social Security number or Tax Identification Number is required to submit the application.

Application Status

If I am applying for a loan or line of credit product, how long will it take to get the status of my application?
Many times the status of an online loan application can be provided immediately. If we are unable to provide an instant status, a loan closing specialist will contact you within two business days with a status update.
If I am applying to open a checking or savings account, how long does it take for the account to be opened?
If you electronically sign your documents online during the account opening process, your account is opened and active immediately. If not, it is opened once we receive your signed documents and opening deposit. Please note that an opening deposit from another bank's account or through a debit/credit card may not be available or reflect in your new account for five to seven business days.
If I am applying for a credit card, how long will it take to get the status of my application?

Many times an online credit card application can be reviewed and a decision reached instantly. If we are unable to provide an instant decision, you will receive an email when the status of your application is available. In addition, you will receive information regarding the status of your application via the U.S. Mail.

Who do I contact if I have any questions during the application process?
You can contact us at 800-539-9055, or you can get help by chatting with us on Look for the "Chat Online" logo throughout the site to talk with a product specialist.
How do I know if you received my application?
You will receive an email at the email address you provided in the application immediately after you select the submit button notifying you that we have received your request and that is processing.
What if I want to cancel my application after I submit it?
Call us at 800-539-9055 to cancel.