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KeyBank is excited to bring you Zelle - a way to send and receive money in minutes between almost any U.S. bank accounts.1 Best of all, there's no fee to use Zelle.2

Who Do You Need to Pay?

With Zelle, you can send money from the convenience of your mobile phone and Key Online Banking using just a recipient's email address or U.S. mobile number. Pay a neighbor, your best friend, almost anyone1 you know and trust. Your money moves securely through KeyBank's online banking or mobile app you already use and trust.

This is How Money Moves®

Easy

Send money to almost anyone you know and trust with a bank account in the U.S.

Fast

Move money straight from your account to theirs.

Safe

Keep your money safe by using KeyBank's Digital Banking with Zelle.

Zelle Advantages

  • When used with KeyBank's online banking or mobile app, you get all the security standards you've come to expect while giving you the convenience of sending money from your smart phone or computer.
  • You can send or receive money using an email address or U.S. mobile number.
  • You won't have to worry about carrying cash or dealing with checks to pay friends or family. Zelle provides electronic notification of a payment and eliminates the possibility of your check getting lost or stolen in the mail.

Start Using Zelle

  1. Open your KeyBank mobile app or sign on to online banking, select Send Money with Zelle®, and register
  2. Select your recipient
  3. Enter the payment amount
  4. You can add a note and then send

That's it! Your payment has been sent. Transactions are typically made within minutes.1

Don't Have Our Mobile App Yet?

Download our KeyBank mobile banking apps available for iPhone® and Android™ devices at no charge2 and then start using Zelle.

Frequently Asked Questions

What is Zelle?

Zelle is an easy, fast and safe way to send or receive money within the KeyBank mobile banking app and online banking. With just your recipient's email address or U.S. mobile phone number, you can send money to almost anyone you know and trust with a bank account in the U.S.

How can I use Zelle?

You can send, request, or receive money with Zelle. After you've registered, simply add your recipient's email address or mobile number, the amount you'd like to send or request, review and add an optional note, and hit "confirm." In most cases, the money is available in minutes.1 To receive money, just share your registered email address or mobile number with a friend and ask them to send you money with Zelle.

Who can I send money to with Zelle?

Zelle allows you to send money to almost anyone you know and trust with a bank account in the U.S.1 You can send money directly from your mobile banking app or in online banking.

What should Zelle be used for?

Zelle is a great way to send money to family, friends, and people that you are familiar with such as your personal trainer, babysitter or a neighbor.

If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions. These transactions are potentially high risk, Neither KeyBank nor Zelle offers a protection program for any purchase or sale conducted using Zelle.

Are there any costs associated with using Zelle?

KeyBank does not charge any fees to use Zelle. Your mobile carrier's messaging and data rates may apply. Inquire with your wireless provider for more information.

How do I register for Zelle?

Register for Zelle in KeyBank's mobile app or through online banking. Open online banking or your app, select Send Money with Zelle® and simply follow the steps as prompted to enroll and get started.

How do I send money?

To send money using Zelle, simply select your recipient from your mobile device's contacts (we recommend selecting your recipient’s mobile phone number, if not available use their email address), add the amount you'd like to send, review, then hit "confirm." In most cases, the money is available in minutes.1

Are there limits to the amount of money I can send and receive?

There are no limits to the amount of money you can receive. There is a daily send limit of $500.

How do I receive money?

To receive money, just share your email address or U.S. mobile number with a friend and ask them to send you money with Zelle. You'll receive a payment notification once the money has been sent. If you've already registered your email address or mobile number, then you won't need to take any further action to receive your money directly into your bank account.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to a registered recipient within minutes. In some cases, it may take between 1-3 business days from the time a new recipient completes registration with Zelle to receive an initial payment. This is a security feature of Zelle designed to reduce risk and protect you whenever you're sending or receiving money. Once that payment completes, that recipient will be able to receive future payments faster, typically within minutes. If it has been more than three days, we recommend confirming that the person you sent money to has activated their Zelle profile and that you entered the right email address or U.S. mobile number. If you're waiting to receive money, we recommend confirming that the sender entered the right email address or U.S. mobile number.

Is sending money with your mobile phone safe?

When used with KeyBank's mobile app, you get all the same security standards you've come to expect from KeyBank, while allowing you to realize the convenience of sending money from your phone.

Will I earn KeyBank Relationship Rewards points for using Zelle?

At this time, KeyBank Relationship Rewards points will not be earned for sending money with Zelle.

How do I unregister my KeyBank accounts from Zelle?

If you're registered with Send Money with Zelle® and would like to cancel this service please contact our customer support team toll-free at 1-800-KEY2YOU® (1-800-539-2968) or TDD/TTY (Hearing impaired): 1-800-539-8336.

Disclosures

1

Available to bank account holders in the U.S. only. To receive money in minutes, the recipient’s email address or mobile number must already be registered with Zelle. If your recipient is not yet registered with Zelle, it could take between 1 and 3 days once they complete registration.

2

Your mobile carrier’s messaging and data rates may apply. Inquire with your wireless provider for more information.

Available for iPhone®, iPod® Touch, Android™, or phones equipped with a supported mobile web browser.

Android™ is a trademark of Google Inc. Use of this trademark is subject to Google Permissions.

iPhone® and iPod® Touch are registered trademarks of Apple Inc. All rights reserved.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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1-800-KEY2YOU®

TDD/TTY (Hearing Impaired):
1-800-539-8336

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