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Debit Card - Fees

Key2BenefitsSM Schedule of Card Fees
Fee DescriptionAmount
Approved PIN or signature-based purchases No Charge
Declined PIN or signature-based purchases No Charge
ATM withdrawal at KeyBank, First Niagara and Allpoint ATMs No Charge
ATM withdrawal at all other locations in the U.S. $1.50 per transaction1
ATM withdrawal – International $3.00 per transaction
ATM surcharge at KeyBank, First Niagara and Allpoint ATMs2 No Charge
ATM balance inquiry KeyBank, First Niagara and Allpoint ATMs No Charge
ATM balance inquiry at all other locations No Charge
Over-the-counter withdrawals at participating MasterCard member bank branches3 No Charge
Currency conversion on all international transactions 3% of the U.S. dollar amount of the transaction
Text message and email alerts4 No Charge
Automated and live customer service balance inquiry No Charge
Online transaction history (Key2Benefits.com) No Charge
Replacement card 1 per year at no charge, then $5.00 each
Overnight delivery of replacement card $15.00 per card
Online bill payment No Charge
Funds transfer to a personal checking/savings account No Charge
Monthly Maintenance Fee No Charge
Account Setup No Charge
Limit DescriptionAmount
Get cash (ATM withdrawal) $1,500 per day5
Get cash (PIN point-of-sale cash back) $2,500 per day5
Get cash (from a bank teller) $7,000 per day
Purchase $7,500 per day

1 When you use an ATM not operated by KeyBank, First Niagara or Allpoint (including terminals located internationally), you may be charged a fee by the ATM operator or any network used.
2 Please visit key.com/locator for a current list of KeyBank ATMs and branches, firstniagara.com/locations.aspx for current list of First Niagara ATMs and allpointnetwork.com for a current list of Allpoint ATMs. There are no surcharge fees at any KeyBank, First Niagara and Allpoint locations.
3 MasterCard member bank branch locations require a withdrawal from the branch teller.
4 You may opt in to this feature at Key2Benefits.com. Your telecommunications carrier’s standard text messaging rates may apply.
5 ATM operators and merchants may impose lower limits.

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