Online Banking

Credit Card as Overdraft Protection

Features and benefits

Why use a credit card as overdraft protection? Discover the benefits of overdraft protection utilizing a credit card:
  • Cover cash-flow shortages in your KeyBank checking account with a flexible credit-based solution.
  • Earn KeyBank Relationship Rewards® product points for opening the account, and even more points for activity on the credit card.* 
  • Benefit from MasterCard® member features, like zero-liability1 fraud protection, travel assistance, and more.
  • A transfer fee of just $10 will be charged to your credit card account once each day an automatic transfer is made from your KeyBank credit card to pay overdrafts to your checking account - not with each transaction.

To set up your existing KeyBank credit card account for this service, please call 1-800-KEY2YOU or visit any KeyBank branch.