"Express Checking " from KeyBank

The Basics

Minimum Opening Deposit
 
$50.00
A $50.00 deposit is required to open this account.
Monthly Maintenance Fee
 
$7.00
This account has a $7.00 monthly service fee. This fee can be waived if you make at least $500 in deposits OR initiate 8 transactions (including deposits, withdrawals, and transfers) per statement cycle.

(Your FindABetterBank estimated annual fee assumes you will meet these requirements.)

Debit Cards & Using ATMs

Relationship Rewards
 
$40.00/yr
This account includes 'Relationship Rewards' program to earn points for gifts and other items. The annual fee for this program is $40.00.
Debit Card $0.00/yr
Non-affiliated ATM Usage Fee
 
$2.50/per use
There is a $2.50 fee each time you use a non-affiliated ATM.
International ATM Usage Fee
 
$2.50/per use
There is a $2.50 fee each time you use a non-affiliated ATM. There is a fee calculated as a small percentage of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes funds transfers to accounts at other institutions.
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold.
- Notice of deposits or withdrawals over a certain threshold.
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An iPhone and iPad application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;
- Text alerts for security messages, balances and account activity, and bill pay;
- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
 
$0.50/check
This feature is available on iPhone, iPad and Android mobile application.
Automated Phone Banking
 
$0.75/transaction
There is a $0.75 transaction fee each time you use the automated telephone banking service after the first 8 transactions per month.

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements
 
$3.00/month
There is a $3.00 monthly fee to receive statements by mail. Enroll in E-Statements to avoid this fee.
Check Images with Statements
 
$3.00/month
You can choose to receive images of canceled checks in monthly statements for an additional fee of $3.00 per month. Check images are optional with paper statements.
Online Statements Yes
Online Check Images
 
Yes
Images of canceled checks can be viewed online.

Overdrawing the Account

Negative Balance Fee
 
Yes
There is a $28.50 fee for a negative balance after 5 business days with less than a $0.00 balance.
Initial Returned Item Fee
 
$34.00/per item
The Insufficient Funds Fee is $34.00 for the first 2 overdrafts and $38.50 for subsequent overdrafts every 12 months.
Overdraft Protection
 
Available
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Cash Reserve Overdraft Line of Credit:
- Annual fee of $25.00;
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred in increments of $100.

Savings and Money Market Accounts

Key Saver
 
$4.00/month
'Key Saver' requires $50.00 to open and 1 cent or more to earn interest.
Current APY Information:
- 0.01 % at minimum balance to earn interest;
- 0.01% at minimum balance to avoid fees;
- 0.02 % at $25,000.00.
The account has a monthly service fee of $4.00. This fee can be waived if you maintain a minimum balance of $300.00.
Silver Money Market Savings
 
Fee Waived
'Silver Money Market Savings' requires $50.00 to open and 1 cent or more to earn interest.
Current APY Information:
- 0.04% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.05% at $25,000.00
The account has a monthly service fee of $12.00. This fee can be waived if you:
- Maintain a minimum balance of $5,000.00;
- Have a monthly automatic direct deposit to this account of at least $25.00.
Gold Money Market Savings
 
$18.00/month
'Gold Money Market Savings' requires $30,000.00 to open and 1 cent or more to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $18.00. This fee can be waived if you:
- Maintain a minimum balance of $30,000.00;
- AND a relationship package checking.

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