Online Banking

Overdraft Protection Options

We know how difficult it can be to stay on top of your bills, payments, and spending. Sometimes there isn’t enough in your account to cover a transaction, and overdrafts and their associated fees are charged to your account. KeyBank offers many overdraft protection options that can help protect you from overdrafts and overdraft fees, and give you the peace of mind that comes with knowing you’re covered.

Overdraft Services

Agreeing to the terms of KeyBank’s optional Overdraft Services will allow us to authorize your ATM and everyday debit card transactions, at Key’s discretion, even when you don’t have enough funds to cover those transactions. Protect yourself from overdraft situations by learning more about KeyBank Overdraft Services and choosing to opt in or out.


Savings as Overdraft Protection

You may be wondering, what exactly is overdraft protection? It can occur through different options. One option is to use your KeyBank savings account as a backup to your checking account. This can provide bank overdraft protection when you need it, without requiring credit approval. Your Key Saver, Key Gold Money Market Savings®, or Key Silver Money Market Savings® Accounts can be linked to your checking account to automatically transfer funds to your checking account when needed.


Preferred Credit Line

Our Preferred Credit Line is an unsecured personal line of credit that gives you quick, convenient access to available funds. It helps you manage your monthly expenses through one low consolidated payment while providing overdraft protection on your KeyBank personal checking account. The Preferred Credit Line is ready for use anytime and anywhere you choose.


Credit Card as Overdraft Protection

Automatically have funds transferred from your Key2More Rewards® or LatitudeSM credit card account into your checking account to cover purchases and prevent returned checks or declined items if you don’t have enough money in your checking account.


Home Equity Line of Credit (HELOC)

Based on accumulated home equity, a HELOC offers a variable-rate revolving line of credit that may be borrowed again as the principal is repaid. Plus, you can connect it to your KeyBank checking account for overdraft protection1.


24/7 Online and Mobile Banking Services

With 24/7 real-time access to your account via text banking, mobile web, mobile apps†, and Online Banking, you’ll stay informed of your account activity and pending transactions. Not only will these services help prevent overdrafts from occurring, you can also get Account Alerts, which notify you when your checking account falls below a set account balance threshold. Message and data rates may apply.