Checking FAQs

Personal Checking Account Basics

A checking account is a convenient way to protect and access your money. For example, you can have your paycheck automatically direct deposited into your checking account and pay your bills directly from there. A checking account can also help you keep track of your account balance and spending.

Yes. Money in KeyBank checking accounts are FDIC-insured up to at least $250,000 per depositor.

There are several things to consider when choosing the best checking account:

  • Which accounts have monthly fees or service fees, and how can I avoid them?
  • Is there a minimum balance requirement, and can I maintain that balance?
  • Does this account come with free ATM use?
  • Does this account earn interest?

Debit cards look just like credit cards but have a few important differences. A debit card is linked directly to your checking account, so when you make a purchase with it, that amount is deducted from your account. A credit card is treated more like a loan. You have extra time to repay the credit card amount but may be charged interest if it isn’t paid in full, and on time.

A KeyBank debit card can help you keep within your budget to avoid overspending, plus it can be used at ATMs and millions of retailers worldwide that accept Debit Mastercard®. Also, a credit card’s ability to pay for emergencies can bring you peace of mind when you don’t have the funds in your checking account. Debit cards are available with any KeyBank checking account.

Your KeyBank Debit Mastercard3 has an embedded chip, which is the latest technology available to keep your information safe. When you check out at a chip enabled point of sale, you may be asked to put in a personal identification number (PIN) to authorize the transaction.

Checking Information

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

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



In person


By phone

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).  Clients using a TDD/TTY device: 1-800-539-8336

There are two ways to add an authorized signer:

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), wire transfers received by 6:00 p.m. ET on a business day, cash deposits made in a KeyBank branch, and cash deposits made at KeyBank ATMs before 7:00 p.m. local time on business days are available on the same business day of deposit. Check deposits made at KeyBank ATMs before 7:00 p.m. local time on business days will have $100 available the same day and the rest the following day if there are no holds on the account.

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.


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. Clients using a TDD/TTY device:1-800-539-8336

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. Clients using a TDD/TTY device: 1-800-539-8336. 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.

Online and Mobile Banking Benefits

You can download the KeyBank mobile app and enroll. Within the mobile app you can:

  • View account balances and statements 24/7
  • Transfer funds between your KeyBank accounts and from an external account 
  • Make payments to existing payees and add new payees
  • View and cancel scheduled Bill Pay5 payments as well as set up new payments and payees
  • Search and view your transaction history for the last 90 days
  • Make mobile check deposits

In online and mobile banking, select your account, choose “More” and then “Manage Alerts”.

Some alerts are available via email only. Certain alerts are listed as Mandatory alerts, meaning we’re required by law to notify you. You’ll receive emails for those alerts automatically.

Bill Pay5

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 Payment1 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 a 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.

Applying for a Personal Checking Account

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.

Helpful Links

KeyBank provides several ways for customers to research checking accounts and determine the right fit. For example, you can:

Overdraft Protection

link accounts for automatic coverage.

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Message and Data rates may apply.


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


KeyCorp is not affiliated with, maintained by, or in any way officially connected with Harland Clarke or any of its business units.


Bill Pay is subject to terms in the Online Banking Service Agreement.

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1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

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Find a Branch or ATM

Contact Us Icon

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:

Clients using a relay service:

Contact Us Icon

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now