What is KeyBank's monthly fee?

Key Smart Checking has no monthly fee. Key Advantage Checking costs $11.95/month (waived with $5,000 in combined balances). Key Select Checking costs $25/month (waived with $15,000 in combined balances). Key Savings charges $4/month (waived with $300 average daily balance).

How much does KeyBank charge for overdrafts?

KeyBank charges $20 per overdraft item, with a maximum of 3 overdraft fees per day ($60 maximum daily). This is lower than most large banks. KeyBank also offers overdraft protection from a linked savings account (free transfer) or a line of credit (interest applies).

Does KeyBank charge ATM fees?

KeyBank charges $3 per withdrawal at non-KeyBank ATMs. Key Smart Checking reimburses 2 non-network ATM fees per statement cycle. Key Advantage and Select Checking reimburse unlimited non-network ATM fees. The operator surcharge from the ATM owner may still apply separately.

What are KeyBank's wire transfer fees?

KeyBank charges $25–$30 for outgoing domestic wire transfers and $40–$45 for outgoing international wires. Incoming domestic wires are typically free or $15. Key Advantage Checking includes one free outgoing domestic wire per month.

KeyBank Fees 2026: Monthly, Overdraft, Wire and ATM Charges

KeyBank’s Key Smart Checking has no monthly fee, and its overdraft fee of $20 is lower than most large banks. Here is the complete KeyBank fee schedule for 2026.

Monthly Maintenance Fees

Account	Monthly fee	How to waive
Key Smart Checking	$0	No conditions needed
Key Advantage Checking	$11.95	$5,000 combined average daily balances across KeyBank accounts
Key Select Checking	$25.00	$15,000 combined average daily balances
KeyBank Hassle-Free Account	$5.00	Cannot be waived
Key Savings	$4.00	$300 average daily balance
Key Money Market Savings	$20.00	$10,000 average daily balance

Overdraft and Returned Item Fees

Fee	Amount
Overdraft fee	$20 per item
Maximum OD fees per day	3 ($60/day maximum)
Returned item (NSF) fee	$20 per item
Overdraft protection transfer	$0 (from linked savings)
Overdraft line of credit	Interest on borrowed amount only

KeyBank’s $20 overdraft fee is notably lower than Chase ($34), Bank of America ($10, but with next-day grace), and Wells Fargo ($35).

ATM Fees

Fee	Amount
KeyBank ATM	$0
Non-KeyBank ATM (KeyBank fee)	$3 per withdrawal
Non-KeyBank ATM refunds (Smart Checking)	2 per statement cycle
Non-KeyBank ATM refunds (Advantage/Select)	Unlimited
ATM operator surcharge	Set by ATM owner (separate)

Wire Transfer Fees

Transfer type	Fee
Outgoing domestic wire	$25–$30
Outgoing international wire	$40–$45
Incoming domestic wire	$0–$15
Incoming international wire	$0–$15
Free outgoing domestic wire (Advantage)	1 per month

Other Common Fees

Fee	Amount
Stop payment	$34
Paper statement	$3/month
Cashier’s check	$8
Money order	$5
Foreign transaction fee (debit card)	3% of transaction
Replacement debit card (standard)	$0
Replacement debit card (expedited)	$30

How to Avoid the Most Common KeyBank Fees

Monthly fee: Use Key Smart Checking — no fee, no conditions
Overdraft fee: Enable overdraft protection from a linked savings account (free transfers); or use KeyBank Hassle-Free Account ($5/month but no OD fees)
ATM fee: Use KeyBank ATMs; Smart Checking gives 2 monthly refunds for out-of-network use
Wire fee: Use ACH transfer instead of wire for non-urgent transfers (free, 1–3 business days)
Foreign transaction fee: Use a travel credit card abroad instead of your KeyBank debit card

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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.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy