What is KeyBank's routing number?

The most common KeyBank routing number is 125000574, used across most of the 15 states where KeyBank operates. Some states have unique routing numbers — always verify yours in the KeyBank mobile app or on a KeyBank check (first 9 digits on the bottom left). The SWIFT code for international wires is KEYBUS33.

Does KeyBank have a monthly fee?

KeyBank's Key Smart Checking account has no monthly fee and no minimum balance requirement. Other accounts like Key Select Checking charge $25/month, waivable with $15,000 in combined balances. Key Advantage Checking charges $11.95/month, waivable with $5,000 in combined balances.

How many KeyBank ATMs are there?

KeyBank has approximately 1,300 ATMs across 15 states. Key Smart Checking customers get 2 non-KeyBank ATM fee refunds per statement cycle. Key Advantage and Select Checking customers receive unlimited non-network ATM fee refunds.

Is KeyBank FDIC insured?

Yes. KeyBank National Association is FDIC-insured. All deposit accounts are protected up to $250,000 per depositor per ownership category. KeyBank is one of the largest regional banks in the United States.

KeyBank 2026 Guide: Routing Numbers, Fees, ATM Limits & Accounts

KeyBank is a full-service regional bank with approximately 1,000 branches and 1,300 ATMs across 15 states, concentrated in the Midwest, Pacific Northwest, and Northeast. It is the primary banking subsidiary of KeyCorp, headquartered in Cleveland, Ohio. KeyBank is one of the 15 largest US banks by assets.

This hub covers everything you need to know about banking with KeyBank in 2026: routing numbers by state, monthly fees by account, ATM limits, checking and savings options, and how KeyBank compares to major competitors.

KeyBank at a Glance (2026)

Feature	Detail
Branches	~1,000 in 15 states
ATMs	~1,300
States served	AK, CO, CT, FL, ID, IN, ME, MI, NY, OH, OR, UT, VT, WA, plus select others
Main routing number	125000574
SWIFT code	KEYBUS33
FDIC insured	Yes
Free checking account	Key Smart Checking ($0/month, no minimum)
Savings APY	0.01% standard; relationship rates higher
Customer service	1-800-539-2968
Mobile app	iOS and Android

Checking Accounts

Account	Monthly fee	How to waive
Key Smart Checking	$0	No conditions
Key Advantage Checking	$11.95	$5,000 combined balances or relationship discount
Key Select Checking	$25.00	$15,000 combined balances
KeyBank Hassle-Free Account	$5	Cannot be waived (no-overdraft account)

Key Smart Checking is KeyBank’s strongest consumer account — no monthly fee, no minimum balance, and 2 non-KeyBank ATM fee refunds per statement cycle. It includes Zelle, mobile deposit, and a Mastercard debit card.

Savings Accounts

KeyBank’s standard savings APY is 0.01%, which is below national average HYSA rates. KeyBank does not operate a standalone high-yield savings division. Customers seeking competitive savings rates should consider pairing KeyBank checking with an external HYSA (see best high-yield savings accounts).

KeyBank Articles

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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