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Card Services

Card solutions for all your business needs.

KeyBank business cards allow your organization to quickly and easily manage benefits, payroll, expenses and costs while reducing your administrative overhead and simplifying your systems.

KeyBank provides card solutions to large and middle market companies and to federal, state and local government entities across the United States. Our team of experts will work with you to understand your unique payments processes and to deliver solutions designed to help you reduce costs, increase working capital and improve process efficiencies.

Whether it's to manage and control your accounts payable spend while reducing administrative costs with a purchase card or a low-cost, convenient alternative to payroll checks with prepaid cards, we can help.

Key2Business Card

Key2Business®

The Key2Business commercial card solution improves control and transparency of expenses for employees and vendors. Understanding your expenses is crucial to running a successful business. By leveraging KeyBank’s commercial card program, Key2Business, you improve visibility into your expenses with the potential to drive incremental revenue to your business. Commercial cards can either be standard plastic cards (distributed) or non-plastic account numbers (non-distributed). Our commercial card program provides unparalleled spending control and information reporting – all designed to improve the purchasing process and help protect against fraud.

Benefits

  • Rebate Incentives: Receive 100bps or 1.0% cash rebate on all net general charge volume ($50,000 minimum annual spend) during your company’s annual measurement period.
  • Working Capital Improvement: KeyBank’s billing cycle and rebate structure allow you to maximize your working capital float between 14 to 45 calendar days.
  • No Annual Fees: Key2Business has fully transparent pricing with no annual card or account fees
  • Reduced Fraud Liability: Leverage the power of our advanced fraud prevention tools, such as account level transaction/MCC blocking, detailed reporting, advanced fraud algorithms, and embedded chip and PIN technology.
Key2Purchase Card

Key2Purchase®

This multi-use commercial card solution can be used whenever purchase orders, check requests or petty cash would have been processed. Purchasing cards can also be given to employees to make purchases on behalf of the business while maintaining greater control of company spend.

Benefits

  • Significantly increase float on AP and travel expenses
  • Reduce administrative costs
  • Improve supplier relationships by accelerating payments with detailed remittance data
  • Increase operational efficiencies with automation and the integration of card data into your ERP/accounting system
  • Increase revenue with available rebates based on both spend volume and payment timing1
     

Features

  • Real-time online tools via Key2Purchase.com to manage controls over spending, access, usage, fraud and audit (reporting)
  • Automatically map transactions to financial codes by account number, Merchant Category Code (MCC), merchant name, etc.
  • Multiple payment options, including Automated Clearing House (ACH), wire transfers and online payments
  • Card types available include distributed cards, ghost cards and single-use accounts.
Key2Payroll Card

Key2Payroll®

Instead of paper checks, your employees' money is automatically loaded onto Mastercard®-branded prepaid cards. After the initial mailing and activation, cards are reloaded electronically for subsequent payments.

Employer Benefits

  • Cost reduction, in some cases greater than 90% annually versus checks
  • Improve cash flow and cash control
  • Eliminate costly and cumbersome stop payment activity
  • Reduce fraud losses
  • Provides daily reconciliation, along with other weekly and monthly reporting
  • Eliminate lost, stolen and returned checks
  • Reduce burden of unclaimed funds
     

Employee Benefits

  • Saves them money by eliminating the high fees associated with check-cashing facilities
  • Faster access and lower fees to get their money
  • Unlimited transactions at retailers across the U.S.
  • 24/7 customer support via Key2Payroll.com or live agent
  • Funds on lost, stolen or damaged cards are protected
  • Reduce fraud concerns
Key2Benefits Card

Key2Benefits®

The Key2Benefits prepaid card service provides Mastercard®-branded cards for benefit distribution. Funds can be loaded to the card in place of paper checks and, once the card is activated, subsequent payments are loaded electronically.

Organization Benefits

  • Cost reduction, in some cases greater than 90% annually versus checks
  • Improve cash flow and cash control
  • Eliminate costly and cumbersome stop payment activity
  • Reduce fraud losses
  • Provides daily reconciliation, along with other weekly and monthly reporting
  • Eliminate lost, stolen and returned checks
  • Reduce burden of unclaimed funds
     

Recipient Benefits

  • Saves them money by eliminating the high fees associated with check-cashing facilities
  • Faster access and lower fees to get their money
  • Unlimited transactions at retailers across the U.S.
  • 24/7 customer support via Key2Benefits.com or live agent
  • Funds on lost, stolen or damaged cards are protected
  • Reduce fraud concerns
Key2Prepaid Card

Key2Prepaid®

The Key2Prepaid card is a Mastercard®-branded prepaid card. Funds can be loaded to the card in place of paper checks. After the initial mailing and activation, cards are reloaded electronically for subsequent payments.

Organization Benefits

  • Cost reduction, in some cases greater than 90% annually versus checks
  • Improve cash flow and cash control
  • Eliminate costly and cumbersome stop payment activity
  • Reduce fraud losses
  • Provide daily reconciliation, along with other weekly and monthly reporting
  • Eliminate lost, stolen and returned checks
  • Reduce burden of unclaimed funds
     

Recipient Benefits

  • Saves them money by eliminating the high fees associated with check-cashing facilities
  • Faster access and lower fees to get their money
  • Unlimited transactions at retailers across the U.S.
  • 24/7 customer support via Key2Prepaid.com or live agent
  • Funds on lost, stolen, or damaged cards are protected
  • Reduce fraud concerns

Business Credit Cards

As a business owner, you need a credit card you can count on – one that is widely accepted, convenient and offers the perks and rewards that you value most. With a KeyBank Business Mastercard®, whether you choose a rewards or basic card, you’ll have everything you need to help ensure your business always runs smoothly.

Learn More

Merchant Services

Customizing Multiple Payment Options

Waiter using hand held credit card reader

Native American

Financial Expertise for Tribes

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Investments are:

NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

An investment in money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Without limiting the foregoing, shares of a Federated Money Market Fund are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by KeyBank or any affiliates or subsidiaries of KeyBank, and are subject to investment risk, including possible loss of the principal amount invested. Shares of the Federated Money Market Funds are not insured or guaranteed by the U.S. Government, any state government or any U.S. or state government or government-sponsored agency. Although the money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in money market funds.

These fees for services shall be in addition to, and will not reduce, Key’s compensation for other services to your account. Such fees for services will not be paid directly by your account, but will be paid to Key by the Non-Proprietary Mutual Funds company (i.e., Federated Investors, Inc. or its affiliates) or the Non-Proprietary Mutual Fund (i.e., the Federated Money Market Fund) itself. The compensation to be paid by Federated (or its affiliates) as such fees for services can be up to 0.10% (10 basis points) annually. The compensation paid by the Federated Money Market Fund out of fund assets can vary, is disclosed in the prospectus for the Federated Money Market Fund, and can be up to 0.25% (25 basis points) annually of the total amount of the account assets invested in the Federated Money Market Fund.

Federated Securities Corp. is the distributor of the Federated money market funds.

Banking products and services are offered by KeyBank N.A. Member FDIC and Equal Housing Lender. All credit products are subject to collateral and/or credit approval, terms, conditions, availability and subject to change. Key.com is a federally registered service mark of KeyCorp.

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Rebates are subject to the terms and conditions of the Rebate Addendum.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.

This material is presented for informational purposes only and should not be construed as individual tax or financial advice. KeyBank does not provide legal advice.

KeyBank is Member FDIC.

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