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Overview / Commentary
216-689-8481
127 Public Square
Cleveland, OH 44114

KeyBank is one of the largest retail banks in the country and offers an array of products on both its deposit and loan sides. It maintains up-to-date web-based and mobile platforms for easy account management, including online banking via an award winning website. Headquartered in Cleveland, Ohio, it services its customers through a very large network of branches and ATMs.

One of KeyBank’s popular depository products is a reward checking account that often offers a cash bonus for new account openings. It also features hundreds of ‘Tiered’ and ‘Jumbo’ CDs and IRA CDs with various terms and requirements. KeyBank’s checking and savings account offerings usually offer lower than average interest rates. The bank also partners with Quicken to offer financial management solutions to both individuals and businesses.

KeyBank customers can earn Relationship Rewards points by opening a new account or performing everyday banking activities such as Bill Pay, automated debits and credits, and debit card purchases. These points can be redeemed through the KeyBank rewards catalog, which features a variety of products and merchandise. KeyBank online banking provides customers with an easy-to-use system for managing their accounts.

KeyBank was originally organized in 1865 as the National Commercial Bank of Albany. It merged with First Trust and Deposit a century later to become First Commercial Bank before finally changing its name to KeyBank in 1979.

KeyBank’s extensive focus on meeting the credit needs of underserved communities has earned it numerous “outstanding” recognitions by the federal government for its performance in this area. It does this by offering nontraditional banking products and services like low fee check cashing, free financial education, checkless checking, and short-term lines of credit.

Related Posts

Key Bank Is Offering A Promotional 39 Month CD With APY Of 2.05% - 8/22/2017

Key Bank is offering a 39 Months CD. Minimum Deposit of $10,000.00 is required. The stated APY is 2.05%. Offer may be withdrawn at any time.

View all posts from:

8/4/13 - Get $200 For A New Keybank Checking Account
7/10/13 - $200 Checking Account Bonus at KeyBank in Some States
5/16/13 - $150 Checking Account Bonus (with Caveats) at KeyBank in Certain States Only
9/20/12 - Another $150 Checking Account Bonus at KeyBank in Certain States Only
7/18/12 - $150 Checking Account Bonus At 2 Key Branches In Portland Oregon
5/8/12 - KeyBank Checking Account Bonus: $100 Gift Card
11/16/11 - KeyBank's $150 Checking Account Bonus
8/22/11 - How Should Banks Notify Paperless Statement Customers Of Changes?
7/11/11 - iPod touch KeyBank Checking Account Promotion - Certain States Only
6/8/11 - $150 Checking Account Bonus at KeyBank in Certain States Only
5/12/11 - Free iPod touch with KeyBank Checking Account Promotion - Certain States Only
3/30/11 - Keycorp Repays TARP
9/14/10 - $225 Business Checking Account Bonus At Key Bank
6/28/10 - Free Ipod Touch Checking Bonus At Key Bank: Extended To July 30
5/2/10 - KeyBank's iPod touch Checking Account Promotion
3/2/10 - $150 to $200 Checking Account Bonuses at KeyBank - Only Certain States
10/18/09 - $125 to $225 Checking Account Bonuses at KeyBank - Only Certain States
10/11/09 - $200 Checking Account Bonus at New KeyBank Branches in Colorado - Local Only
8/18/09 - KeyBank's Garmin GPS Checking Account Promotion
7/8/09 - KeyBank Checking Account Promotion
10/25/08 - $100 Checking Account Promotion at KeyBank - Update
8/23/08 - High CD Rates at KeyDirect and KeyBank - 4.55% 12-Month, 5.50% 48-Month
8/22/08 - iPod nano Checking Account Promotion at KeyBank - Update 2
7/26/08 - 4.50% 23-Month CD at KeyDirect
6/30/08 - 5.25% 48-Month / 4.55% 23-Month CD at KeyBank
6/29/08 - iPod nano Checking Account Promotion at KeyBank - Update
3/30/08 - $100 Checking Account Promotion at KeyBank
1/22/08 - 5.55% to 5.90% on 5 to 10 Year CDs at KeyDirect
1/12/08 - 5.50% 25-Month / 5.30% 7-Month CD at Key Bank in Some States
7/22/07 - iPod nano Checking Account Promotion at KeyBank
2/20/07 - Digital Camera Checking Account Bonus at KeyBank
7/23/06 - iPod nano Checking Account Bonus at KeyBank

Nice checking account

Posted by: Ditechso | May 18, 2018

Two years ago I opened a Keybank Online checking account. They were the only bank that approved me due to my horrible past credit issues. It is an online checkless account. I have it set up for direct deposits for many of my income sources and payroll deposits. I also have a debit card with them, there is a zero fee for the card and the checking account. Which I love. They also have an option to easily transfer money from my account to another Keybank checking account belonging to a family member, to which I owe money too, so that makes it very easy, and again, it is free. I use the online bill pay for bills, the money is usually always in the payee's account exactly when Keybank says it will be, and it also is a free service. The best thing is, that they have the online check cashing option that I use on my phone, I've done it many times and never had any issues, it's free, and the money is in my account the next business day. Overall I'm very happy with them. Although if I forget my password 1 time, I hafta call them to reset it.

Key Bank Review

I enjoy working with key bank. I like that as long as I keep my account active they waive the monthly maintenance fee. I do however wish that they offered free checks for the account that I have. The mobile site is easy to use to set up online bill pay.

Banks, Why Use Them?

Yet another example of a bank only out to screw over it's patrons. Time-and-time again they messed up our account, from the very creation of it, something has been wrong. A number of overdrafts that took place because of this, and countless times of having to explain to a banker that this was technically on them, and for them to tell me they don't normally do this.

Apart from that, what finally has been the straw to break the camels back. I recently have had an overdraft, the first actual overdraft on my account for over a year that was actually my fault. And they come back to tell me on top of the outrageous fee for it, I'm being penalized for the next six months by them putting a 5-day hold on every check I try to deposit.

So, let me get this straight. I have a moment in my life where I'm unable to cover all the automatic payments coming out. I take care of the overdraft asap, with my consistent income, and they still want to penalize me. They tell me that because I didn't have enough money this one time, that I have to go the next 6 months waiting an additional 5 days for every deposit? How does that even make sense for the consumer? You're specifically setting up your customers to be without money when they need it most, making it so they're more likely to overdraft again and stay with this penalty until they can some how stop being poor all of a sudden?

No, I'm done with this bank. I'm done with them all. Bank account is being closed, and I'm going to make sure anywhere I can rate you, everyone gets to hear about this.

STAY AWAY FROM KEYBANK! They're thieves and crooks, and unless you're part of the top wealthy class, they're just going to do what they can to keep you poor.

I'm happy with Key

Posted by: JimmyJ1980 | Jan 6, 2015

I opened up an savings and a checking account with Key bank a few years ago when I moved into the area. There was not wait time and the lady who helped me out was very nice. There's never a long line and the tellers remember who you are and genuinely seem to care. I've had all my questions answered promptly and correctly. I even opened up a separate savings account for kids. Their web site is excellent and I'm able to do whatever I want and not have problems. There are enough locations around my area that there isn't a problem going to the ATM or talking to a person in real life. I've had good luck with their other products, like CDs and loans, and they've been on par with other banks. I've been happy these last few years and I'm hoping that will be the case going forward.

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Health

Health Grade Components

Overall
FDIC Certificate #17534
Year Established1849
Employees18810
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD12.18%
Annual Interest Income$1.13B
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$135.2B$132.3B
LoansQ1 2018vs Q1 2017$90.03B$88.13B
DepositsQ1 2018vs Q1 2017$107.1B$106.6B
Equity CapitalQ1 2018vs Q1 2017$15.05B$14.75B
Loan Loss AllowanceQ1 2018vs Q1 2017$897.0MM$892.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$715.7MM$736.8MM
Real Estate OwnedQ1 2018vs Q1 2017$36.6MM$64.7MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not KeyBank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

KeyBank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-KeyBank Health Savings Account
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $25k
0.10%-$25kFinancial Wellness Interest Score: 91-100
0.09%-$25kFinancial Wellness Interest Score: 81-90
0.08%-$25kFinancial Wellness Interest Score: 71-80
0.07%-$25kFinancial Wellness Interest Score: 61-70
0.06%-$25kFinancial Wellness Interest Score: 51-60
0.05%-$25kFinancial Wellness Interest Score: 41-50
0.04%-$25kFinancial Wellness Interest Score: 31-40
0.03%-$25kFinancial Wellness Interest Score: 21-30
0.02%*$2.5k*-Key Business Saver
OTHER TIERS: 0.01% Up to $2,500
0.02%*$25k*-Key Active Saver
OTHER TIERS: 0.01% Up to $25k
0.02%-$25kFinancial Wellness Interest Score: 11-20
0.01%-$25kFinancial Wellness Interest Score: 1-10

KeyBank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.95%$25k-Key Gold Money Market Savings Variable Promo Rates
1.51%*$25k*$2mKey Business Gold Money Market Savings
OTHER TIERS: 0.05% Up to $25k | 0.10% $2mm+
1.20%*$25k*-Key Gold Money Market Relationship Rates
OTHER TIERS: 0.10% Up to $25k
0.65%$5k-Key Silver Money Market Savings Variable Promo Rates
0.32%*$5k*-Key Silver Money Market Relationship Rates
OTHER TIERS: 0.10% Up to $5k
0.12%*$25k*-Key Gold Money Market Savings
OTHER TIERS: 0.10% Up to $25k
0.11%*$5k*-Key Silver Money Market Savings
OTHER TIERS: 0.10% Up to $5k
0.05%*$2.5k*-Key Business Silver Money Market Savings
OTHER TIERS: 0.04% Up to $2,500

KeyBank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Key Privilege Select Checking
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $100k
0.15%*$10k*-KeyBank Business Interest Checking
OTHER TIERS: 0.05% Up to $10k
0.10%*$100k*-Key Privilege Checking (Daily Sweep)
OTHER TIERS: 0.05% Up to $100k
0.02%*$2.5k*-Key Advantage Checking
OTHER TIERS: 0.01% Up to $2,500

KeyBank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$25k*$100k10 Year Tiered CD - Relationship
OTHER TIERS: 1.10% $2,500 - $10k | 1.15% $10k - $25k
1.25%$100k$500k10 Year Key Jumbo CD - Relationship
1.00%$100k$500k6 Year Key Jumbo CD - Relationship
1.00%*$25k*$100k6 Year Tiered CD - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%$100k$500k7 Year Key Jumbo CD - Relationship
1.00%*$25k*$100k7 Year Tiered CD - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%*$25k*$100k8 Year Tiered CD - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%*$25k*$100k9 Year Tiered CD - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%$100k$500k8 Year Key Jumbo CD - Relationship
1.00%$100k$500k9 Year Key Jumbo CD - Relationship
0.85%$100k$500k5 Year Key Jumbo CD - Relationship
0.85%*$25k*$100k5 Year Tiered CD - Relationship
OTHER TIERS: 0.70% $2,500 - $10k | 0.75% $10k - $25k
0.75%$100k$500k48 Month Key Jumbo CD - Relationship
0.75%*$25k*$100k48 Month Tiered CD - Relationship
OTHER TIERS: 0.60% $2,500 - $10k | 0.65% $10k - $25k
0.75%*$25k*$100k10 Year Tiered CD
OTHER TIERS: 0.60% $2,500 - $10k | 0.65% $10k - $25k
0.75%$100k$500k10 Year Key Jumbo CD
0.65%$100k$500k36 Month Key Jumbo CD - Relationship
0.65%*$25k*$100k36 Month Tiered CD - Relationship
OTHER TIERS: 0.50% $2,500 - $10k | 0.55% $10k - $25k
0.50%*$25k*$100k6 Year Tiered CD
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%*$25k*$100k7 Year Tiered CD
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$100k$500k6 Year Key Jumbo CD
0.50%$100k$500k7 Year Key Jumbo CD
0.50%*$25k*$100k8 Year Tiered CD
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%*$25k*$100k9 Year Tiered CD
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$100k$500k8 Year Key Jumbo CD
0.50%$100k$500k9 Year Key Jumbo CD
0.45%$100k$500k24 Month Key Jumbo CD - Relationship
0.45%*$25k*$100k24 Month Tiered CD - Relationship
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k
0.35%*$25k*$100k5 Year Tiered CD
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k
0.35%$100k$500k5 Year Key Jumbo CD
0.30%*$25k*$100k36 Month Tiered CD
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k
0.30%*$25k*$100k48 Month Tiered CD
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k
0.30%$100k-36 Month Key Jumbo CD
0.30%$100k$500k48 Month Key Jumbo CD
0.25%$100k$500k12 Month Key Jumbo CD - Relationship
0.25%$2.5k$100k12 Month Tiered CD - Relationship
0.25%*$25k*$100k24 Month Tiered CD
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k
0.25%$100k$500k24 Month Key Jumbo CD
0.20%$100k$500k120 - 149 Day Key Jumbo CD - Relationship
0.20%$100k$500k6 Month Key Jumbo CD - Relationship
0.20%$2.5k$100k120 - 149 Day Key Short Term CD - Relationship
0.20%$2.5k$100k6 Month Tiered CD - Relationship
0.20%$2.5k$100k150-179 Day Key Short Term CD - Relationship
0.20%$100k$500k150-179 Day Key Jumbo CD - Relationship
0.15%$2.5k$100k12 Month Tiered CD
0.15%$100k$500k12 Month Key Jumbo CD
0.10%$2.5k$100k60 - 89 Day Key Short Term CD
0.10%$2.5k$100k90 - 119 Day Key Short Term CD
0.10%$2.5k$100k120 - 149 Day Key Short Term CD
0.10%$2.5k$100k6 Month Tiered CD
0.10%$100k$500k30 - 59 Day Key Jumbo CD
0.10%$100k$500k60 - 89 Day Key Jumbo CD
0.10%$100k$500k90 - 119 Day Key Jumbo CD
0.10%$100k$500k120 - 149 Day Key Jumbo CD
0.10%$100k$500k6 Month Key Jumbo CD
0.10%$100k$500k30 - 59 Day Key Jumbo CD - Relationship
0.10%$100k$500k60 - 89 Day Key Jumbo CD - Relationship
0.10%$100k$500k90 - 119 Day Key Jumbo CD - Relationship
0.10%$2.5k$100k60 - 89 Day Key Short Term CD - Relationship
0.10%$2.5k$100k90 - 119 Day Key Short Term CD - Relationship
0.10%$2.5k$100k7-31 Day Key Short Term CD
0.10%$2.5k$100k32-59 Day Key Short Term CD
0.10%$2.5k$100k150-179 Day Key Short Term CD
0.10%$2.5k$100k7-31 Day Key Short Term CD - Relationship
0.10%$2.5k$100k32-59 Day Key Short Term CD - Relationship
0.10%$100k$500k7-13 Day Key Jumbo CD
0.10%$100k$500k14-29 Day Key Jumbo CD
0.10%$100k$500k150-179 Day Key Jumbo CD
0.10%$100k$500k7-13 Day Key Jumbo CD - Relationship
0.10%$100k$500k14-29 Day Key Jumbo CD - Relationship

KeyBank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$25k*$100k10 Year Tiered IRA - Relationship
OTHER TIERS: 1.10% $2,500 - $10k | 1.15% $10k - $25k
1.25%$100k$500k10 Year Key Jumbo IRA - Relationship
1.00%$100k$500k6 Year Key Jumbo IRA - Relationship
1.00%*$25k*$100k6 Year Tiered IRA - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%$100k$500k7 Year Key Jumbo IRA - Relationship
1.00%*$25k*$100k7 Year Tiered IRA - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%*$25k*$100k8 Year Tiered IRA - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%*$25k*$100k9 Year Tiered IRA - Relationship
OTHER TIERS: 0.85% $2,500 - $10k | 0.90% $10k - $25k
1.00%$100k$500k8 Year Key Jumbo IRA - Relationship
1.00%$100k$500k9 Year Key Jumbo IRA - Relationship
0.85%$100k$500k5 Year Key Jumbo IRA - Relationship
0.85%*$25k*$100k5 Year Tiered IRA - Relationship
OTHER TIERS: 0.70% $2,500 - $10k | 0.75% $10k - $25k
0.75%$100k$500k48 Month Key Jumbo IRA - Relationship
0.75%*$25k*$100k48 Month Tiered IRA - Relationship
OTHER TIERS: 0.60% $2,500 - $10k | 0.65% $10k - $25k
0.75%*$25k*$100k10 Year Tiered IRA
OTHER TIERS: 0.60% $2,500 - $10k | 0.65% $10k - $25k
0.75%$100k$500k10 Year Key Jumbo IRA
0.65%$100k$500k36 Month Key Jumbo IRA - Relationship
0.65%*$25k*$100k36 Month Tiered IRA - Relationship
OTHER TIERS: 0.50% $2,500 - $10k | 0.55% $10k - $25k
0.50%$100k$500k6 Year Key Jumbo IRA
0.50%*$25k*$100k6 Year Tiered IRA
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$100k$500k7 Year Key Jumbo IRA
0.50%*$25k*$100k7 Year Tiered IRA
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%*$25k*$100k8 Year Tiered IRA
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%*$25k*$100k9 Year Tiered IRA
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k
0.50%$100k$500k8 Year Key Jumbo IRA
0.50%$100k$500k9 Year Key Jumbo IRA
0.45%$100k$500k24 Month Key Jumbo IRA - Relationship
0.45%*$25k*$100k24 Month Tiered IRA - Relationship
OTHER TIERS: 0.30% $2,500 - $10k | 0.35% $10k - $25k
0.35%$100k$500k5 Year Key Jumbo IRA
0.35%*$25k*$100k5 Year Tiered IRA
OTHER TIERS: 0.20% $2,500 - $10k | 0.25% $10k - $25k
0.30%$100k$500k36 Month Key Jumbo IRA
0.30%*$25k*$100k36 Month Tiered IRA
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k
0.30%$100k$500k48 Month Key Jumbo IRA
0.30%*$25k*$100k48 Month Tiered IRA
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $25k
0.25%$100k$500k12 Month Key Jumbo IRA - Relationship
0.25%$2.5k$100k12 Month Tiered IRA - Relationship
0.25%$100k$500k24 Month Key Jumbo IRA
0.25%*$25k*$100k24 Month Tiered IRA
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $25k
0.20%$100k$500k120 - 149 Day Key Jumbo IRA - Relationship
0.20%$2.5k$100k120 - 149 Day Key Short Term IRA - Relationship
0.20%$100k$500k6 Month Key Jumbo IRA - Relationship
0.20%$2.5k$100k6 Month Tiered IRA - Relationship
0.20%$2.5k$100k150-179 Day Key Short Term IRA - Relationship
0.20%$100k$500k150-179 Day Key Jumbo IRA - Relationship
0.15%$100k$500k12 Month Key Jumbo IRA
0.15%$2.5k$100k12 Month Tiered IRA
0.10%$100k$500k30 - 59 Day Key Jumbo IRA
0.10%$100k$500k30 - 59 Day Key Jumbo IRA - Relationship
0.10%$100k$500k60 - 89 Day Key Jumbo IRA
0.10%$100k$500k60 - 89 Day Key Jumbo IRA - Relationship
0.10%$2.5k$100k60 - 89 Day Key Short Term IRA
0.10%$2.5k$100k60 - 89 Day Key Short Term IRA - Relationship
0.10%$100k$500k90 - 119 Day Key Jumbo IRA
0.10%$100k$500k90 - 119 Day Key Jumbo IRA - Relationship
0.10%$2.5k$100k90 - 119 Day Key Short Term IRA
0.10%$2.5k$100k90 - 119 Day Key Short Term IRA - Relationship
0.10%$100k$500k120 - 149 Day Key Jumbo IRA
0.10%$2.5k$100k120 - 149 Day Key Short Term IRA
0.10%$100k$500k6 Month Key Jumbo IRA
0.10%$2.5k$100k6 Month Tiered IRA
0.10%$2.5k$100k7-31 Day Key Short Term IRA
0.10%$2.5k$100k7-31 Day Key Short Term IRA - Relationship
0.10%$2.5k$100k32-59 Day Key Short Term IRA
0.10%$2.5k$100k32-59 Day Key Short Term IRA - Relationship
0.10%$2.5k$100k150-179 Day Key Short Term IRA
0.10%$100k$500k7-13 Day Key Jumbo IRA
0.10%$100k$500k7-13 Day Key Jumbo IRA - Relationship
0.10%$100k$500k14-29 Day Key Jumbo IRA
0.10%$100k$500k14-29 Day Key Jumbo IRA - Relationship
0.10%$100k$500k150-179 Day Key Jumbo IRA
Locations

Availability



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