Summary: Based in Cleveland, Ohio, Keybank is one of the largest banks in the United States, with more than $ 187 million assets. It operates 953 branches in 16 states: Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont and Washington.
Keybank offers three current accounts for personal banking customers:
The main accounts of intelligent and Keybank hassle -free check have no monthly maintenance fees or minimum deposits. Meanwhile, the key selection verification account earns interest and provides an annual cash bonus of $ 100, although delivered with monthly maintenance costs of $ 25 (which can be lifted by fulfilling certain requirements) and a minimum opening deposit of $ 50.
Key Bank offers four types of savings accounts:
The traditional savings account, Key Active Saver, has wavivable monthly costs of $ 4 and a minimum deposit of $ 10, while the children’s savings account has no monthly fees and a minimum deposit of $ 10. The monetary market account has a minimum opening deposit of $ 5,000 and monthly costs of $ 20.
Keybank offers CDs with terms of six months to 10 years and a minimum deposit of $ 2,500. He also has Jumbo CDs which require a deposit of at least $ 100,000 and conditions ranging from seven days to 10 years. Depending on your balance, you can win up to 4% APY with a Keybank CD.
Keybank offers four credit cards, offering various money, awards and benefits. There is also a secure credit card option.
Keybank offers a wide range of loan services, including mortgages and home loans, personal loans and credit lines, vehicle loans and refinancing student loans.
Keybank offers a wide range of investment products, including IRA, annuities, common funds, managed accounts, savings plans and health savings investment accounts.
Keybank sells long-term care insurance and several types of life insurance.
In addition to the personal bank, Keybank is also aimed at small businesses and commercial banking customers.
Keybank fees are not exorbitant, but customers should be aware of it.
While two of the bank’s check accounts have no monthly expenses, the selection key invoices $ 25 per month after a grace period of three months. But you can avoid these costs by meeting one of the following criteria:
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Receive at least $ 5,000 in direct deposits per declaration period.
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Having a combined balance of $ 15,000 or more on Keybank, CD, retirement accounts or other investment accounts.
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Be a member of the Keywork program and receive at least $ 3,000 in direct cumulative deposits per period. ›
Keybank’s standard savings account also has monthly costs, but it is much lower at only $ 4 per month. As the key key verification, these costs are also Waivables. To jump the costs, you must have a Keybank consumption check account.
There are also certain costs for ATM use, overdraft and other account services:
Benefits:
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Range of products and services: Keybank’s product and services suite means that you can find everything you need, including verification, savings, credit cards, investments and loans.
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Customer service 24/7: Keybank provides 24/7 customer service by phone – or you can chat with an online representative via the mobile application.
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Widespread branch and ATM network: Keybank has more than 900 branches and access to more than 40,000 key benches and Allpoint ATM.
Disadvantages:
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Minimum deposits high for certain accounts: There are relatively high minimum deposit requirements for CDs and monetary market accounts, which can be prohibitive for start -up savers.
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Monthly maintenance costs for certain accounts: Several accounts are delivered with monthly maintenance costs. In addition, there are other costs to be monitored, such as ATM costs off network, overdraft costs and wire transfer fees.
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Low savings interest rate: You can find higher savings rates elsewhere, especially in online banks. At the time of writing this article, Keybank Active Saver Active Saver only draws 0.01% interest.
There are several ways to access Keybank customer service, including a 24/7 customer service telephone line. You can also access assistance, depending on the product or service that you need help, by calling specific telephone numbers listed on Keybank contact page. You will find below some useful numbers:
If you are an existing Keybank customer, you can connect to your online account for access to Mykey, a virtual assistant tool. This service can even connect you to a customer service professional for the following days:
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From Monday to Friday, from 7:00 a.m. to midnight HE
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Saturday and Sunday, from 8 a.m. to 9 p.m.
Finally, you can visit a Keybank branch for support in person. Find a branch near you using the bank location tool.
For practical travel services on the go, Keybank offers a mobile application available in the Apple App Store and Google Play Store. The two versions receive high notes of 4.7 and 4.6 out of 5 stars, respectively. In addition to accessing your accounts and your customer service 24/7, the application allows you to configure account alerts, lock and unlock cards, pay bills, transfer money, from Place checks, etc. The application also allows biometric connection for convenience and safety.
A page on the Keybank website highlights its dedication to sustainability. More specifically, Keybank announced several environmental targets in 2022 and is working to progress towards these objectives. Until now, the bank has funded $ 10 billion in its 38 -billion dollars target to support environmental causes that deal with climate change. It is also almost halfway to become carbon neutral by 2030 and has joined the partnership for Carbon Accounting Financials (PCAF).
Find out more: What is sustainable bank?
The headquarters of Keybank is at the 127 Public Square, Cleveland, Ohio, 44114.
You can reach Keybank customer service each time using the Bank 24/7 telephone line at 1-800-539-2968.
Yes, Keybank is provided by the FDIC (Cert. # 17534). This guarantees your deposits up to $ 250,000 in the event of a bank failure.
Keybank has several routing numbers that vary depending on the state. If you have a Keybank account, you can find your routing number in your online account or by looking for the first group of numbers in the lower left corner of a check. You can also consult Keybank routing number list by condition.
Some of the largest drawbacks of Keybank include high minimum requirements and costs of deposit, in particular monthly maintenance costs and ATM costs outside the network. In addition, you can find higher interest rates of the savings account elsewhere.
Unlike credit cooperatives, where you have to qualify for membership, everyone can use Keybank. There may be certain limits to certain accounts – for example, you must be the age of majority to open an account by yourself, and children’s accounts have age restrictions.
Sometimes banks can offer a cash bonus to open a new account. At the time of writing this article, Keybank offers a $ 300 bonus to new eligible customers with a key smart check account. To be eligible for this bonus, you must make an eligible direct deposit of at least $ 1,000 within 60 days of opening the account. This offer expires on March 21, 2025.
Find out more: New bank account promotions today: win up to $ 3,000
