KeyBank is one of the 25 largest banks in the U.S., based on total assets. KeyBank offers credit cards, personal loans, checking accounts, savings accounts, home loans, auto loans and more. You can learn more about KeyBank below.
3/5 rating among users on WalletHub
A+ BBB rating
Offers credit cards, loans and bank accounts for consumers and small businesses
Has branches and ATMs in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington
KeyBank is based in Cleveland, was founded in 1994 and has roots dating back to 1825. To reach KeyBank customer service, call 800-539-2968.
KeyBank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/20/2026.
2.8
1,076 reviews
from WalletHub and across the web
1,076 reviews from WalletHub and across the web
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KeyBank
m yke serfass @harleybearde
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1 Star Rating
This bank is horrible. Check the ratings before you open an account. I’ve had an account here for years. It went into overdraft by $12 which was corrected within 24 hours that $12 overdraft eventually cost me $60. And then two days later, they tried to attach another $20 fee. They did return the later $20 and told me, that was a courtesy return. What a bunch of crap I tried to tell me that they had no power to reverse The other fees. What a bunch of crap. .! Watch Key Bank respond by saying call customer … you had your chance already. Run away from this bank! I filed a complaint with the Better Business Bureau and with the banking regulation department and security regulation department with the state of Pennsylvania. Key Banks successive fees are obscene.
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Product: KeyBank Checking
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KeyBank
redheeler2023 @redheeler2023
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2 Star Rating
I opoened a new account, transferred in a substantial amount of money, and the account was promptly frozen, without any notice to me. I only found out by trying to activate my debit card. I called custemer service, they said a fraud alert was pout on the account, it could take up to 90 days to clear it. I called again a week later, was told I had to go down to the branch to sign an affidavit. I dwent to the branch, they said they didnt have an affidavit, didnt know what the problem was. This was eventually cleared up, but only after several more phone calls and another visit to the branch. At each point, nobody offered solutions. I had to push for a supervisor to be contacted, then was told it was cleared, but it wasn’t. I had to call back. Anyway, you get the point - this is a Mickey Mouse custemer service operation! Needless to say, I closed my account!
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Product: KeyBank Checking
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KeyBank
timtidball @timtidball
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1 Star Rating
We have been with Key Bank for 31 years. We went to the local Medford, Oregon, branch to set up our mortgage with Jeremy. We were told we could set up bi-monthly payments in order to pay off our mortgage quicker. We were then charged a subsequent late fee from Key Bank. When we called about the late fees, we were told not to worry about them and that they would be removed. Months later, we received a letter stating we owed over $400 in late fees. When we contacted corporate about the fees, they said they would look into it to work on getting the late fees dropped.
After not making any progress with the local branch, we have since contacted the 800 corporate offices, and we are still getting the runaround. Tony S (they don't give out last names to avoid accountability) said the late fees are being reviewed at the "highest department of escalation," but he continues to not have any answers after six weeks and counting. I get a weekly call from him telling me they are still reviewing the case. This is now Key Bank being evasive. I feel misled by corporate.
Side note: All the Key Bank locations here in Southern Oregon are sparse, with just a few employees at each branch. It's a ghost town when you walk in, completely understaffed. The Ashland location doesn't even have walk-up tellers.
Are they going out of business soon? I think so!
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Product: KeyBank Mortgages
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KeyBank
Jean An @JeanA3333
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1 Star Rating
Someone stole my credit card, personal, and email information to make purchases via "AfterPay." Once I found out, I immediately notified Key Bank, AfterPay, and filed a police report. Key Bank refuses to refund me, even though AfterPay informed me that I'm not responsible for the charges. I thought credit cards were protected! Really, Key Bank?
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Product: KeyBank Credit Cards
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KeyBank
cannedspaghetti63 @cannedspaghetti63
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1 Star Rating
Opened an account with them a while ago ($15,000.00). Last month, I found they started charging a $25.00/month maintenance fee. For what? I mean, I never would have opened a bank account that charged me a fee for me to give them my money, but there it was. I always used Key Bank because they seemed more like a friendly, hometown kind of bank, but this has really ruined that image for me. I contacted customer service through messaging, but the representative just kept repeating that it was in the disclosures. Not helpful or showing any desire to keep my accounts.
I have always loved Huntington Bank, but there are no offices close to me. However, I am reconsidering making the trip now.
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Product: KeyBank Checking
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KeyBank
mattcoohill @mattcoohill
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5 Star Rating
Seek out Kevin Hainan as your financial advisor! My elderly father placed his trust money in several places, choosing KeyBank as one of them. Initially, I found it odd dealing with a bank rather than a larger institution like Fidelity or Schwab. Fortunately, we got Kevin as our advisor, and he has managed this portion of the trust better than the other institutions where my father divided his assets. I greatly appreciate his work and highly recommend him and Key Investment Services (KIS).
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Product: KeyBank Investments
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KeyBank
Jeremy Dowsett @jmdsr30
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1 Star Rating
I am posting this to warn other customers, especially those handling estate matters in Washington State.
After my mother passed away, I followed Washington law to the letter. More than 40 days after her death, I presented KeyBank with a valid, notarized Affidavit of Successor under RCW 11.62, along with the death certificate and required identification, to close her account and cash an estate check.
Despite the law being clear, the branch refused to act. I was incorrectly told that I had to open an "estate account" to cash the check and that their legal department had to "review" the affidavit before they could close the account. Another employee even stated that "Washington state law does not dictate our policy," which was extremely concerning.
For clarity, the law states (RCW 11.62.020(1)) that 40 days after death, a financial institution shall release funds upon presentation of a compliant affidavit. The statute does not give banks additional time once the documents are presented.
Even more troubling: RCW 11.62.020(2) and RCW 11.62.030 explicitly state that once the bank releases the funds in good faith, it is fully discharged from liability. In other words, the law protects the bank when it complies—yet KeyBank still refused.
This all occurred on the same day I picked up my mother's cremated remains, making an already devastating day far worse.
I escalated the matter to KeyBank's Executive Office, provided updated sworn statements, and explained the law again. Despite this, the process continues to be delayed, with no resolution offered and no clear explanation of KeyBank's actual policy for Washington State estates.
The statute exists specifically to avoid probate and unnecessary delays, yet that is exactly what KeyBank has caused.
If you are dealing with an estate, especially in Washington, be prepared to advocate strongly for yourself and know the law before walking into a KeyBank branch.
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Product: KeyBank Checking
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KeyBank
Jane Doe @prosperityspark
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1 Star Rating
The absolute worst. If I could give a negative number, I would. I changed my phone number, and since then, the only way to log in online is to send a text to your old phone on file. So consequently, I have been locked out for well over a month while traveling in an area with no KeyBank branches until the spring of 2026! No help at all is offered from any customer service representatives, or the inept bank branch manager who promised to call me back three times and never did. Most banks give the option to send a one-time code to your phone or email. Not KeyBank! It's your phone number on file or nothing. Everyone said just go to your local branch even when I told them I was in an area with no branches approximately 2800 miles away. This bank is so backward! It does not understand its current customers' needs, can't serve digital nomads, nor does it comprehend how to conduct business appropriately in 2025. When I return home I will remove my funds, my trust account, and my safe box contents and kiss this inept bank good bye for ever. If you travel, don't use KeyBank!
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Product: KeyBank Checking
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KeyBank
magicoamor07 @magicoamor07
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1 Star Rating
I really hope you consider other banks instead of KeyBank. You might decide to try KeyBank even after reading my review, and that is okay. There is a saying, 'We don't learn from someone else's experience but our own.' KeyBank does not care about customer service, and their practices differ from other banks. If you call them to resolve an issue, they put a lock on your account until the issue is resolved. If you need your money, it cannot be released to you until the issue is resolved. In my case, two weeks later, the lock was still there. If you submit a social security card, they flag it as suspicious, and the account gets locked. If you submit your driver's license, they flag it as suspicious, and the account gets locked. In my case, they were not able to verify any of the many different options for identity verification I provided. My money was never available for a period of two weeks due to their inability to verify my identity. If you don't want someone to lock your money and make it unavailable for two weeks or even longer, do not go to KeyBank. They have no sense of urgency for the customer. I could write a book about my experience with them. Horrible! I hope this review helps someone make good decisions when choosing a bank.
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Product: KeyBank Checking
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KeyBank
Melinda Joy @melinda_joy
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1 Star Rating
I'm kind of hoping others have had the same experience and will complain about it until someone does something about the issue. I used my KeyBank card while traveling extensively for work, which opens me up to a lot of fraud risk. I used this card specifically because I received alerts instantly when charges were made on my card. This has allowed me to lock my card when fraudulent charges were made. I reported the fraudulent charges immediately, and they would take care of everything; it was a good system.
Five weeks ago, I stopped receiving any notifications for charges made. It still sends me a notification when a payment is posted, which is from the same number the charge notifications come from, so it’s not a problem with my phone. I have spent hours on the phone with customer support, and frankly, they are often rude and they simply don't grasp what I am reporting as an issue. I have gone through their troubleshooting routine so many times I think I could recite it verbatim. Each day someone says they will call back the next day, but not a single call has come from them. I finally locked the card and changed all of my automatic payments to another bank. I'm traveling for work and nowhere near a branch, but as soon as I can walk into a branch, I will be closing all of my accounts.
Am I the only one this is happening to? If not, please let me know how you were able to fix the issue. Yes, I have updated my phone and the app. I have turned notifications off and then on again. I have uninstalled and reinstalled the app after restarting my phone. It is in print that the notifications aren't coming; I can see the discrepancy between the charges I have made and the notifications they show they have sent out. Why can’t they see that discrepancy? At this point, there is no way I would keep my KeyBank accounts; they have wasted too much of my time and been a source of too much frustration. But surely I am not the only person having this issue, even though they would like me to believe that.
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Product: KeyBank Credit Cards
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KeyBank
Al Arte @nylatin2004
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1 Star Rating
The worst bank. I opened a Money Market Account with a promised good rate. After six months, they lowered the interest from 4% to a ridiculous 0.5% without any notification. No wonder this bank has the worst reviews. There are other banks paying much better interest rates. Besides, everything is delayed. Beware.
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Product: KeyBank CDs
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KeyBank
Kenneth Liddle @kliddle34
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1 Star Rating
KeyBank recently restricted my account because of someone else's mishap with Zelle. Somehow, the individual had gotten hold of my old number and sent $100. They have called me a fraud, lied to my face four times, and have held my money illegally. They have kept me from paying my bills and I have gone without food, drink, and gas in my truck for the last week. Someone needs to put a stop to their mayhem.
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Product: KeyBank Checking
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KeyBank
slipknotklutz @slipknotklutz
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1 Star Rating
Everything is delayed. Want to transfer money to a different bank? They'll take the money immediately and take 3-5 days to transfer it, even if it's an account linked with the account for deposits. Deposit a check? You don't get even a penny of that check and must wait 3-5 business days for it to clear, and have to wait until 9 a.m. the day of release. Direct deposit? It comes in later than all banks I have dealt with (I split my direct deposits, and it takes at least 1-5 hours longer to receive). Not consumer/customer friendly.
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Product: KeyBank Checking
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KeyBank
jhon doe @hugoham_hm
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1 Star Rating
I wouldn't use this bank if it were the last bank on earth. No help from customer service. Not to mention, they lied about when your deposit would be available.
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Product: KeyBank Checking
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KeyBank
bokiarn2 @bokiarn2
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1 Star Rating
Not safe at all, very disrespectful, they lie all the time about everything. I'm surprised by the amount of negligence toward customers and also by the total unprofessional system and clerks. I'm canceling my account and never returning. Learned my lesson.
Get answers to your questions about KeyBank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Your KeyBank routing number depends on the state where you opened your account. For example, the routing number for KeyBank in New York and Pennsylvania is 021300077, while in Florida is 041001039.
You can find the routing number in the bottom left corner of your checks, online banking or the mobile app.
If you have any further questions or need assistance with banking transactions, you can contact KeyBank directly for support online or by...
Every 5 KeyBank rewards points are worth 1 cent (500 points = $1) when redeemed for cash back. KeyBank rewards points can also be redeemed for merchandise, gift cards, travel rewards, charity donations, and domestic plane tickets, among other things. But point values may vary for those redemption methods.
Although each KeyBank point isn't worth all that much on its own, cardholders get a better deal than you might think, considering how many points...
Yes, KeyBank could be a good fit for you, especially if you prefer in-person banking and you're looking for a midsize bank with a large branch network as they offer a convenient access to in-person banking.
They offer a wide range of products: checking and savings accounts, CDs, loans, mortgages, and investment services, so you can potentially manage all your finances in one place.
However, you might consider other options if you prioritize...
No, KeyBank does not allow payments from online gambling. While online gambling is legal in some jurisdictions, KeyBank has strict policies against transactions that are associated with illegal activities. This includes online gambling, even if it's legal in the state where the transaction is initiated.
If you attempt to use your KeyBank account for online gambling transactions, your account may be restricted or closed. It's always best to check with your bank directly for...
With a KeyBank Hassle-Free Account®, you can make an unlimited number of free online transfers. This account is designed to be simple and transparent, with no maintenance fees and no fees for online transfers.
Keep in mind that while KeyBank generally offers free online transfers between accounts, they might have certain limitations in place for security or regulatory reasons. It's always best to confirm the specifics with the bank directly at (800) 539-9055.
Yes, you can. You just need to be enrolled in online banking, and to download KeyBank's Mobile Banking smartphone app. You can learn more about how to do this at: https://www.key.com/personal/mobile-banking/mobile-deposit.jsp.
As required by the military, military members' paychecks are directly deposited into the account they opened under their own name. Also, this sum must be directly deposited, not through payments with cash or check. What your spouse can do is to set up a monthly automatic transfer of a certain amount of his paycheck to an account held by you.
Unfortunately, the ATM withdrawal limit is not disclosed on KeyBank's website. Please call customer service at 800-539-2968 for more details.
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