we’re here, to help you get there.

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.

The following requirements must be met in order to waive the monthly maintenance fee on each type of savings account listed in the chart above:

The $4.00 monthly maintenance fee for Key Active Saver Account will be waived if the following requirement is met:

• There is no monthly maintenance fee if you are an owner on a KeyBank consumer checking account (including the KeyBank Hassle-Free Account^®), otherwise the fee will be $4.00.

The $20.00 monthly maintenance fee for Key Select Money Market Savings Account^℠ will be waived for any month when the client meets one of the following requirements:

• Is an owner of a Key Advantage Checking^®, Key Privilege Checking^®, or Key Privilege Select Checking^® account.
• Maintains a minimum daily balance of at least $25,000 during the statement cycle.

The $2.50 or $5.00 monthly maintenance fee for Health Savings Account will be waived if both of the following requirements are met:

• The Monthly Daily Balance is $500.00 or more during the monthly statement period AND
• Direct deposit is established.

Subject to the terms of the Savings Overdraft Protection Agreement.

KeyBank Latitude: 0% intro APR for 15 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 19.49% to 26.49% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Balance Transfer Fee will be either $10.00 or 4% of the amount of each transaction, whichever is greater.

Key Cashback: 0% introductory APR on balance transfers only for the first 12 billing cycles following account opening when balances are transferred within the first 60 days following account opening. After that, your variable APR on balance transfers will be 21.49% to 28.49% (based on creditworthiness). If you always pay your balance in full each month, you do not pay interest on your purchases. This is called a grace period. You will lose this grace period if you transfer a balance and do not pay off your entire balance by the payment due date. Even if you pay off all of your purchases in full each month, you will begin to pay interest on those purchases. To avoid interest on purchases, you must pay the entire balance (including the balance transfer amount) each month by the payment due date.

Key Secured Card: The Key Secured Card requires the card holder to have funds on deposit in a Key Active Saver^® account in an amount greater than or equal to the assigned credit limit. The credit limit is determined by your creditworthiness and will be in an amount between $300 – $5,000. The variable APR for purchases is 27.49%. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. The monthly maintenance service charge on the Key Active Saver account will be waived for Key Secured Credit Card clients. The monthly maintenance service charge waiver is only valid as long as the Key Secured Credit Card remains open. If you are graduated to an unsecured card or close your Key Secured Credit Card account, the Key Active Saver monthly maintenance service charge of $4.00 may apply, unless you are the owner on a KeyBank consumer checking account (including KeyBank Hassle-Free Account^®).

Key2More Rewards^®: 0% intro APR for 6 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 21.49% to 28.49% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Cash Equivalent Fee: 5% of each transaction amount, $10 minimum.

KeyBank Latitude, Key Cashback and Key2More Rewards^®: The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 28.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee and Balance Transfer fee: Either $10.00 or 4% of the amount of each transaction, whichever is greater. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $0. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

To be eligible for the 2% cash back, you must have a KeyBank checking account, excluding a health savings account, with $1,000 in aggregate deposits per month, excluding transfers from another KeyBank account, and a KeyBank savings or investment account with a minimum daily balance of $1,000. If you do not meet either of the criteria above after 1 month of your account opening, you will earn 1.5% cash back on all eligible purchases. We will determine whether you have met the bank and save criteria on the last Monday of each calendar month, based on your deposit and balance activity over the thirty (30) days prior to the immediately preceding Saturday. If you have not met the bank and save criteria, your rate for the following calendar month will be 1.5%.

Cash back is awarded based on eligible credit card purchases excluding transactions such as cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers and quasi-cash transactions. See Terms and Conditions, which are subject to change.

Use of the Key Secured Credit Card can help build your credit when the minimum payment is made by the due date, each month.

Eligible purchases do not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers or credits. See the KeyBank Rewards Program Terms and Conditions for full details. Monthly bonus points are awarded per credit card account based on the aggregated amount spent per month by all signers linked to the credit card account. Points for $2,000 or more are awarded as an additional 25% bonus to add up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month. If your credit limit is less than $2,000 you will need to make payments (in addition to your required payment) throughout the calendar month in order to reach the spend limits required to earn monthly bonus points. See the KeyBank Rewards Program Terms and Conditions for full details. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and may be found at key.com/rewards.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

All credit products are subject to credit approval.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.