Limited bonus rate offer: Requirements to qualify for promotional rates are complicated with a limited timeframe allowed to qualify. Overdraft fees apply: Overdraft fees apply to checks of more than $20. High initial balance: The $5,000 minimum is higher than many other banks. This includes automatic bill pay and transfers between KeyBank accounts. Excess withdrawal or transfer fee: A $15 fee will be applied to any transfers or withdrawals beyond seven transactions per month.Low rates: Deposit account rates aren’t competitive with other banks.Out-of-network ATM fees: KeyBank doesn’t reimburse non-network ATM fees. Limited number of bank branches: Residents outside of KeyBank’s 15-state service area aren’t eligible to open accounts.24/7 customer service: Available through live phone assistance and extended chat support hours in addition to in-person appointments.Secure online and mobile banking: Robust mobile app allows transactions such as mobile check deposits and external transfers.Overdraft protection: There are no fees applied to overdraft checks under $20.Free ATMs: There are more than 40,000 ATMs with no surcharges for withdrawals made at KeyBank and Allpoint networks.Do, however, expect a $3 charge for non-network ATM transactions domestically and $5 internationally. KeyBank has a large network of free ATMs, but don’t expect to be reimbursed for non-network ATM fees. This Cleveland-based bank only offers its robust mobile app and online banking tools to residents within its geographic footprint. The bank operates more than 1,000 branches across 15 states crisscrossing the US from Washington to Connecticut. KeyBank is a national bank that provides a wide variety of deposit accounts - many with high fees and low rates.
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