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OD Transfer Fee: overdraft protection transfer fees, sometimes called Overdraft Advance Fees, are waived for employees with any KeyBank account linkage (savings, line of credit, home equity line of credit, or credit card). Non-employee customers receive free overdraft protection transfers if using KeyBank savings accounts; all other accounts are charged a $10 fee.

To avoid Monthly Maintenance Fees...

• To avoid the $18 monthly maintenance fee for Key Advantage Checking^® Account, meet any of the following requirements:
  1. Any combination of balances from your KeyBank checking, savings deposit, certificates of deposit, retirement deposits, investment** (including annuity balances reflected on your KIS account statement) and credit accounts was $10,000.00 or more.
  2. You have a KeyBank originated mortgage and you have automatic payment deducted via ACH deducting $500.00 or more from your Key Advantage Checking account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the monthly maintenance fee.
  3. You are a KeyCorp employee and you have direct deposits totaling $1000.00 or more credited to your Key Advantage Checking account during a statement cycle. If you leave KeyCorp and direct deposits are discontinued, you may be subject to the combined balance requirement to avoid the monthly maintenance fee. (This option is also available for Key@Work program members.)
• To avoid the $25 monthly maintenance fee for Key Privilege Checking^® Account, meet any of the following requirements:
  1. You maintain a combined balance of $25,000 ($10,000 for a KeyCorp employee) or more in any combination of deposit, investment** and credit accounts.
  2. You have a mortgage originated through KeyBank and you have an automatic payment deduction plan via ACH deducting $500 or more from your Key Privilege Checking Account during a statement cycle. If your mortgage automatic payment deduction plan should be discontinued, you may be subject to the combined balance requirements to avoid the maintenance fees.
  3. You are a KeyCorp employee and you have direct deposits totaling at least $2,500.00 or more credited to this Account during a statement period. If you leave KeyCorp and direct deposits stop, you may be subject to the combined balance requirement to avoid the monthly maintenance fee. (This option is also available for Key@Work program members.)
• To avoid the $50 monthly maintenance fee for Key Privilege Select Checking^® Account, you must maintain a minimum of $100,000 ($25,000 for a KeyCorp employee) in combined relationship balances (sweep investment, deposits and investment** [including annuity balances reflected on your KIS account statement]) each statement cycle OR be a KeyCorp employee and have a total of at least $5,000 in direct deposits each statement cycle credited to this Account. If you leave KeyCorp and direct deposits are discontinued, you may be subject to the $100,000 combined balance requirement to avoid the monthly maintenance fee. (The direct deposit option is also available for Key@Work program members.)

Investment products are offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA). KIS and KIA are affiliated with KeyBank National Association (KeyBank).

Investment and insurance products made available through KIS and KIA are:

KIS, KIA and KeyBank are separate entities, and when you buy or sell securities and insurance products you are doing business with KIS and/or KIA, and not KeyBank.