KeyDirect is a division of KeyBank that offered accounts to clients where KeyBank does not have any branch locations. At KeyBank, we strive to provide you with the most up-to-date information as quickly as possible. As of August 1, 2019, KeyBank no longer opens new accounts on KeyDirect. There are no changes to your current KeyDirect account(s). You can continue to view and manage your account as usual at Please contact 1-800-872-5553 for questions or support Monday-Friday, 8a.m.-6p.m. ET.

Access Your Accounts Anytime – Anywhere!

Online Banking is a secure, internet-based service that gives you convenient, 24-hour access to your KeyDirect accounts.

  • View account balances
  • View online statements
  • Receive alerts for account activity
  • Pay bills
  • Transfer funds


Activating Your Rollover Plan with Keybank

Many firms offer their employees various types of retirement benefits. These plans go by many names, including a 401(k), pension plan or profit sharing plan, to name a few.

The person who takes care of the plan is often referred to as the Plan Administrator. One of the jobs of the Plan Administrator is to contact former employees and ask what they would like to do with the funds that have accumulated in their plans.

Sometimes, the Plan Administrator cannot locate the former employee, or the former employee fails to respond to the notice. When this happens, the Plan Administrator must look to the plan document to determine what to do with the accumulated assets. Some of the options could include keeping the money in the plan, mailing a check to the former participant, or rolling the funds into an Individual Retirement Account (IRA).

If your employer rolled your qualified plan funds into an IRA with KeyBank, then we would have sent you paperwork that needed to be completed and returned. This is a sample of the documents that we would have personalized and mailed to the address that your former employer provided to us. This sample does not include plan, account, and privacy disclosures that were also included.

You have three choices of what you can do with your retirement money:

  1. Keep it in an IRA with KeyBank
  2. Transfer your KeyBank IRA to another trustee or custodian
  3. Withdraw your funds

None of these options are available until KeyBank has received your accurately complete documents (listed below).

This website contains paperwork you will need to complete this process. Please complete the forms below, as they apply to you.

Required Documents
  • Adoption Agreement
  • Rollover Certification
  • Customer Identification Form (Form Instructions)
  • Documentary Evidence
    • Social Security Award Letter (containing Social Security Number), or Social Security Administration Signed Letter
    • Utility bill associated with physical property location no more than 60 days old (gas, electric, sewer, water, cable, phone) Note: The service address must be present on the bill to be accepted as documentary evidence
    • U.S. Driver's License, U.S. State ID Card, or Native American Tribal Identification Card
    • IRS W2 or 1099 Tax Form
    • Real Estate Tax bill (not older than one year) or Real Estate Rental or Lease Agreement, Insurance Coverage or Statement for real property or Real Property Deed, Student ID, Letter/Invoice from School
    • Admissions, or Grades/Transcript from School Records
    • Letters from long-term health care providers such as Nursing/Retirement Homes
Other Potentially Required Documents
  • Documentary evidence for name change

Once forms have been completed, they can be returned by regular mail to:
KeyBank National Association
Retirement Operations
Mail Code: NY-00-01-0180
PO Box 1300
Buffalo, NY 14240-1300

If you have any questions or need help completing these forms, please call 1-800-872-5553.

What to Expect

Processing this paperwork may take as long as three weeks, including mail time. Upon receipt and verification of your paperwork, we will send you another set of plan, account and privacy disclosures.

KeyDirect Information

What is KeyDirect?

KeyDirect is a division of KeyBank that offered accounts to clients where KeyBank does not have any branch locations. If you currently reside in AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA, please visit KeyBank at one our KeyBank branches or visit to see what rates are available in your area. Not all accounts available in all states.

How long has KeyDirect been in business?

Key has offered the KeyDirect banking business since 1987 under a few different names. Our original business offered banking product via mail and phone, and we launched our first web site in 2001. We have been using the KeyDirect name since 2005.

What is KeyDirect's relationship to KeyBank and KeyCorp?

KeyCorp is the parent company of KeyBank and many other financial service-related companies. KeyCorp also owns investment, financing and real estate companies. KeyDirect is one channel that KeyBank uses to offer its banking products to its customers.

Are my deposits with KeyDirect FDIC insured?

Yes, your deposits at KeyDirect are FDIC insured up to the current FDIC-limits. Please visit the FDIC's website ( for more specific details on those limits.

Why isn't KeyDirect listed under 'KeyBank N.A.' on the FDIC's website?

Since KeyDirect is actually a business segment of KeyBank, we are not listed as a separate business on those sites. All information pertaining to KeyBank N.A. applies to KeyDirect as we are a business segment of KeyBank N.A.

How seriously do you take the privacy of my personal information?

Key is committed to maintaining the privacy and security of personal information. Please read through our KeyCorp Online Privacy Statement to learn more about how Key collects, uses, and safeguards your information.

Can anyone from any state open a KeyDirect account?

KeyDirect supports existing KeyDirect clients in those states in which KeyBank does not have any local branches. Customers in those 15 states must use or their local branch network to do their banking. KeyDirect does business in all states EXCEPT Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania Utah, Vermont and Washington state.

Online Banking

What is Online Banking?

Online Banking is a service that KeyDirect offers to help you manage and monitor your accounts. You can view your account activity and online statements, pay bills, get alerts, and much more to help manage your money.

What can I do in Online Banking?

Pay bills, view online statements, make transfers, setup Alerts, use Budget Management and many other features.

What do I need to enroll in Online Banking?

Your Social Security or Tax ID Number, Key ATM or Debit Card (for faster enrollment), account number, and valid email address.

How do I sign up for Online Statements?

You can sign up during the Online Banking enrollment or once enrolled in Online Banking, go to the Statements & Documents tab, accept the disclosure and select “Yes, Go Paperless”. It's just that simple!

Note: Some accounts are not eligible for Online Statement at this time.

Do you offer Alerts?

Yes, we offer many different alerts based upon account type. Sign on to Online Banking and select “Maintain Alerts” on the Self Service tab.

There are two types of alerts in Online Banking:

Optional alerts are set up by you and will trigger an email alert when the event is reached. This alert generally occurs during a nightly process. These alerts can be added, modified, or deleted anytime.

  • Scheduled bill payment reminders
  • Balance Alerts
  • Transaction alert (set up when debit/credit amount posted)
  • CD's approaching maturity
  • Payment/credit transaction was processed

Bank-initiated alerts are automatically generated when specific Online Banking actions occur. You will not be able to modify or turn off these alerts. They are designed as a security feature which will give you greater knowledge of actions taking place within your Online Banking.

  • New bill payee has been added
  • Online Banking transfer account was added
  • Online Banking transfer account was activated
  • Email address was changed via Online Banking
  • Online Banking password was changed
  • User ID was changed via Online Banking
  • Request for an address change was made via Online Banking
  • Delivery of alerts was suspended
  • Phone Number Changed via Online Banking
  • A potentially fraudulent card purchase was detected
What is the easiest way of setting up a Bill Payee?

On the Payments & Transfers tab, select “Add a Payee” and choose your payee from our list of Common Companies. All you need to do is enter the payee's account number and submit. If the payee is not in our list, you can add them manually by selecting the link on the “Add a Payee” page.

Do you support Personal Financial Management software?

No, not at this time.

Opening Accounts

How can I send in my money when I open an account?

You can fund accounts via regular mail, wire or ACH. IRAs must be via mail only.

Where do I send in money to open my new account?

For IRA/Retirement accounts:
Retirement Operations
PO BOX 1300
Buffalo, NY 14240-1300

For all other accounts:
KeyBank Research and Adjustments
Attn: Customer Deposits
555 Patroon Creek Blvd.
Albany, NY 12206

Where do I send in forms that I have filled out?

For IRA/Retirement accounts:
Retirement Operations
PO BOX 1300
Buffalo, NY 14240-1300

For all other accounts:
KeyBank N.A. - KeyDirect
6950 S. Transit Rd.
Lockport, NY 14095

How can I add deposits into my existing Checking or Savings account?

To make additional deposits into a Checking or saving account, you can mail a check, send a wire/ACH, or do an account-to-account transfer.

How are CD rates determined and locked in?

CD rates are locked in depending on how the new CD is funded. If funding by wire, the rate is guaranteed by the date the wire is received. If funding by check, you will receive the rate in effect on either the envelope postmark date or the date the check is received, whichever is higher.

All annual percentage yields (APYs) are accurate as of today only, and are subject to change without notice. Fees may reduce earnings on the account. Based on the balance tier range the opening deposit balance falls within for the term selected, the fixed interest rate for that range will be paid on the entire opening deposit balance.

You will be linked to® when you access Online Banking. All accounts and services displayed may not be applicable to you.

Deposit balances are insured up to the maximum allowable limit.

Deposits and other transactions for KeyDirect accounts are not accepted at KeyBank branches. Please conduct all transactions via online banking, phone, or mail. Please contact 1-800-872-5553 for instructions, as needed.

Fees may reduce earnings on the account.

For the Key Gold Money Market Savings account, all interest rates and APYs for all balance tiers are variable and may change at any time after the account is opened.

For the Key Tiered CD and Key IRA Tiered CD accounts, based on the balance tier range the opening deposit balance falls within for the term selected, the fixed interest rate for that range will be paid on the entire opening deposit balance. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account.

A penalty may be imposed for early withdrawal.

A PO Box is acceptable for a mailing address but you must also provide a legal (physical) address which cannot be a PO Box number.

If your name has changed since you left your employer, please provide one of the following documents: copy of marriage certificate or copy of divorce decree.

Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.

KeyDirect is a business segment within KeyBank National Association.

KeyDirect services existing KeyDirect in 36 states and the District of Columbia but not AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA. If you currently reside in one of these 15 other states, please visit KeyBank at one of more than 1,000 KeyBank branches or visit to see what rates are available in your area. Not all accounts available in all states.