Keybank weekend fee reimbursement

Keybank weekend fee reimbursement DEFAULT

Parts of a lawsuit alleging fiduciaries of the KeyCorp 401(k) Savings Plan allowed plan participants to pay excessive administration and managed account fees and retained a stable value investment option when it was imprudent will move forward, while some claims were dismissed.

Plaintiffs in the lawsuit filed last summer allege that the defendants breached their duties of prudence and loyalty with respect to the payment of excessive administrative fees, breached their duty of prudence with respect to the payment of excessive managed account fees, and breached their duties of prudence and loyalty with respect to the decision to retain the MaGIC Fund as the plan’s stable value fund option.

According to the complaint, the plan’s fee disclosure provides that each eligible participant is charged $63 per year for administrative services. The plaintiffs offered comparisons to argue that “a prudent and loyal fiduciary of a similarly sized plan could have obtained comparable administrative services of like quality for approximately $30 to $40 per participant.”

According to court documents, from 2010 until 2014, the plan directly contracted with Financial Engines to serve as its managed account provider. But, in 2014, the plan started using its recordkeeper, Alight, as an intermediary which employed Financial Engines as a sub-adviser. Participants who elected to have their accounts managed by Alight and Financial Engines were charged an additional fee based on the value of their accounts. The plaintiffs allege that these fees were higher than what Alight charged other plans for identical managed account services from Financial Engines, and the plan’s managed account service was also more expensive than the same Financial Engines service offered by other recordkeepers.

“Had defendants paid closer attention to managed account fees, they could have used this information to negotiate lower rates for Financial Engines’ managed account service,” the plaintiffs argue. “Instead, defendants caused participants to pay an off-the-shelf price, which was the highest fee for the managed account service offered by Alight.”

The complaint also targets the use of the KeyBank EB MaGIC Fund, a proprietary stable value fund maintained by KeyCorp and the plan’s only stable value fund option. KeyBank is a subsidiary of KeyCorp. According to court documents, during the relevant time frame, roughly one-third of the MaGIC Fund’s assets came from investments by plan participants. The plaintiffs noted that no other defined contribution (DC) plan with more than $2 billion in assets invested in the MaGIC Fund.

The plaintiffs argue there were other stable value fund options with billions of dollars in assets at comparable levels of risk that were available in the marketplace and that would have generated greater returns and lower underlying fees for participants. Court documents say that over the 10 years prior to the end of 2019, the MaGIC Fund averaged an annual return of 2.06%. During that same time frame, 14 other stable value accounts with at least $50 million in assets that were managed using similar targets for duration and credit quality of the underlying fixed income securities had a composite average of an annual return of 2.57% and outperformed the MaGIC Fund in nine of the 10 years.

“Had defendants conducted a proper marketplace investigation, they would not have retained the MaGIC Fund as the plan’s stable value fund option,” the lawsuit says. “Instead, Key improperly used the plan to try to prop up the MaGIC Fund.”

Motions for Dismissal

The defendants asserted that dismissal of the claims of excessive administrative fees was warranted because the plaintiffs had not alleged any specific failures in their process for setting the plan’s administrative fee, nor had they alleged a sufficiently meaningful benchmark demonstrating that the plan’s administrative fee was so excessive as to plausibly infer a process-based failure. However, Judge Pamela A. Barker of the U.S. District Court for the Northern District of Ohio concluded that the plaintiffs adequately stated their claim of imprudence regarding excessive fees.

Barker said that based on the plaintiffs’ allegations that other comparable plans paid lower fees, that fees for DC plans have declined over time but the fees for the KeyCorp plan have remained the same since 2015, and that the size of the plan grew but defendants did not negotiate lower fees, it is reasonable to infer that the defendants’ process was flawed and that they failed to prudently monitor the plan’s administrative expenses to keep costs at competitive levels, and thereby breached their fiduciary duty of prudence. She denied the defendants’ motion to dismiss the breach of the duty of prudence claim with regard to the payment of excessive administrative expenses.

As for the plaintiffs’ claim for breach of the duty of loyalty with respect to the alleged excessive administrative fees, Barker agreed with the defendants that the plaintiffs failed to adequately state a claim. She noted that the plaintiffs allege that it can be inferred that the defendants allowed participants to be charged excessive fees in exchange for discounts on the other services Alight was providing to Key that Key itself should have been responsible for paying. The defendants argue that this is pure speculation.

Citing court precedent, Barker said that to state a claim for breach of the duty of loyalty, “a plaintiff must allege facts that permit a plausible inference that the defendant engaged in transactions involving self-dealing or in transactions that otherwise involve or create a conflict between the trustee’s fiduciary duties and personal interests. In other words, to implicate the concept of loyalty, a plaintiff must allege plausible facts supporting an inference that a fiduciary acted for the purpose of providing benefits to itself or some third party.” It is not enough to “merely reincorporate alleged breaches of the duty of prudence as disloyal acts.”

Barker found that the plaintiffs failed to allege facts supporting their claim for breach of the duty of loyalty that raise it above the speculative level. She said the plaintiffs have not alleged that Alight actually gave Key favorable rates on any of the other services it provided or even that the plan’s fees were negotiated in connection with the fees for those other services. “Thus, there is no indication that defendants received any benefit in exchange for paying Alight a higher rate for the plan’s administrative services. Even taking into account plaintiffs’ potential lack of access to inside information, to assume that defendants engaged in self-dealing without additional factual allegations is too speculative,” Barker wrote in her opinion. She granted the defendants’ motion to dismiss the breach of the duty of loyalty claim regarding excessive administrative fees.

Moving on to the claim over excessive managed account fees, Barker said that applying the same standard for breach of the duty of prudence described above, she found the plaintiffs’ allegations sufficient to state a claim. The defendants asserted that the plaintiffs’ comparisons were inapt because they did not consider plans structured in the same way as the KeyCorp plan, their comparisons included plans of different sizes and that by only comparing the plans’ managed account rates—and nothing else—the plaintiffs have failed to show that the overall fee structure for all of the services provided by Alight was unreasonable.

However, Barker said the plaintiffs’ allegations provide a strong benchmark that indicates the plan’s managed account fees were excessive. She noted that last July, shortly after the original complaint was filed, Key switched recordkeepers and its managed account service fees significantly decreased as well. She denied the defendants’ motion to dismiss the claim regarding managed account fees.

The defendants contended that the plaintiffs’ allegations fail to state a claim with regard to offering the MaGIC fund because the plaintiffs improperly rely on hindsight and their proposed comparators do not give rise to the inference that a reasonable fiduciary would have avoided the MaGIC Fund altogether. The defendants also asserted that the plaintiffs have not established that the MaGIC Fund underperformed at all, arguing that the MaGIC Fund has provided steady returns and outperformed its benchmarks in the plan’s disclosures and that the plaintiffs have not shown that the comparator funds applied the same investment strategy. Barker concluded that the plaintiffs failed to adequately state a claim for breach of the duty of prudence with respect to the plan’s investment in the MaGIC Fund.

Citing Patterson v. Morgan Stanley, Barker said, “Allegations of consistent, 10-year underperformance may support a duty of prudence claim. However, the underperformance must be substantial.” She noted that in Patterson, the plaintiffs alleged that the challenged fund had an average annual return of 7.42%, while its benchmark had an average annual return of 8.16% over the same 10-year period. The court in that case held that “such a small disparity in performance relative to its benchmark does not support the inference that defendants were imprudent to retain the [fund at issue] in the set of plan offerings.”

Barker found that the plaintiffs’ self-selected comparator stable value funds only outperformed the MaGIC Fund by half a percentage point over the last 10 years. “As other courts have concluded, such a small difference in performance does not support an inference that no reasonable fiduciary would have retained the MaGIC Fund, especially when the MaGIC Fund performed better than the comparator funds in one of the relevant years. Moreover, plaintiffs have not alleged that the MaGIC Fund underperformed any benchmark disclosed to plan participants,” Barker stated. She added that the plaintiffs have not identified any cases in which a court found that the plaintiff sufficiently pleaded a claim based on such a small disparity in performance.

In addition to pointing to the MaGIC Fund’s performance, the plaintiffs argued that the fund’s higher fees demonstrate it was imprudent for defendants to retain the fund. Barker agreed with the defendants that the plaintiffs have not established a sufficient benchmark to support their prudence claim showing the fees charged by the MaGIC Fund were unreasonably high. She noted that they do not provide the amount of fees charged by the MaGIC Fund, specify how much higher they were than comparator funds or identify any specific comparator funds with lower fees in the market.

Regarding the plaintiffs’ allegation that the defendants used the plan to prop up the MaGIC Fund, Barker said that because they failed to adequately allege that the MaGIC Fund substantially underperformed or that it charged excessive fees, she cannot infer an ulterior motive for the defendants’ decision to retain the MaGIC Fund. In addition, she said, the plaintiffs have not specifically alleged how the defendants actually benefitted from the plan’s investment in the fund. Barker granted the defendants’ motion to dismiss the loyalty claim with respect to the MaGIC Fund.

Barker denied the defendants’ motion to dismiss the plaintiffs’ failure to monitor (other fiduciaries) claim. She pointed out that a failure to monitor claim is derivative of other breach of fiduciary duty claims, and because she found that the plaintiffs have adequately pleaded at least some of their other claims, the failure to monitor claim can move forward.


KeyBank Checking Account Review


KeyBank is likely to be a big bank in your area if you're in the Northeast or Midwest (1,197 branches and 1,572 ATMs across 15 states)

And, since you're looking for a new checking account, the bank is an option that might consider.

One of the bank’s most popular accounts is the Key Express Checking Account as it is the basic checking option for everyday consumers.

It does offer some features that you might want in your checking account.

In this review, find out what they are, in addition to the general account fees, before you decide to open this account.

Free Access to HelloWallet, a Financial Wellness Tool

Key Express Checking Account Pros & Cons

  • Helpful money management tool
  • Mobile banking apps available
  • Monthly fee (can be waived)
  • Service fees on the higher end
  • Doesn't earn interest

A nifty feature of this account is HelloWallet, a free financial wellness program that all KeyBank customers have access to.

The program’s goal is to give KeyBank customers a way to see a more complete picture of the financial situation.

Connect to other financial accounts

HelloWallet can help you track where you’ve been and see where you’re going.

It’s also a great tool for creating plans and strategies to reach your financial goals.

When you open HelloWallet, you’ll see a dashboard where you can view all of your financial accounts.

You can add accounts at other institutions, including other banks and brokerage accounts.

That makes it easy to get the full details of your financial situation at a glance.

Your financial wellness

Even better, HelloWallet will also automatically generate a financial wellness score for you.

Your financial wellness score is an indicator of how healthy your finances it.

Your score is calculated from your current account balances, income, and spending history, and any other information HelloWallet is able to gather about your financial activities.

Your financial wellness score is updated automatically every time you log in to your account. You can track your score’s history so you can see what makes it rise and fall.

HelloWallet also offers a peer score, which compares your financial wellness score to other people in similar situations.

You’ll be compared to people of similar age, marital status, location, and so on. This can give you an idea of whether you’re on track compared to your peers and give you a bit more incentive as you try to one-up your peers.

If you also have a KeyBank savings account, HelloWallet can help you earn more interest.

Enrolling in the program will give your savings account an automatic rate boost on balances up to $25,000.

Send Money to Your Friends Using Zelle

People’s lives have grown more digital in recent years, but cash has remained king for many financial transactions.

People still use cash to pay their friends and colleagues back for restaurant tabs or when splitting utility bills.

Despite its popularity, cash can be inconvenient. Nobody likes carrying around coins and making change.

So, to make paying your friends easier, KeyBank offers a service called Zelle, which lets you send money directly from your bank account.

You won’t need to use cash to pay your friends if you have Zelle. You can even use Zelle to send money to people who haven’t set up Zelle yet.

The service is used by many other banks so it is a trusted payment method.

How it works

When you open Zelle, all you have to do to get started is enter the recipient’s phone number or e-mail.

That's it.

You don’t need to know anything about where they bank or what kind of bank accounts they have. All you need is a way to contact them.

You’ll then be prompted to enter the amount you’d like to send.

Sending and receiving limits can vary from bank to bank.

Usually, you’ll be able to send enough to cover all but the largest payments.

The recipient will be instantly notified that they have a transfer pending. If the recipient has already set up Zelle, the money will be removed from your account and arrive in their bank account within three business days.

If the recipient hasn’t yet set up Zelle, they’ll be prompted to set up their profile. As soon as they do, the payment will be released and the transfer will complete within a few days.

Get Rewarded with KeyBank Relationship Rewards

When you open your Key Express Checking Account you’ll have the option to enroll in Relationship Rewards.

You should consider enrolling if you think you’ll earn a good amount of rewards.

You’ll earn rewards for a variety of different transactions, including:

  • Debit card purchases
  • Online bill payments
  • ATM and mobile check deposits
  • Automatic debits and credit

You can also get bonus points on your birthday and for signing up for electronic statements.

You can trade in the points that you earn for a variety of rewards. You can get gift cards, travel rebates, electronics, merchandise, and charitable donations.

You can also deposit the rewards points to your account as cash.

However, one thing to note, is that there is a $40 annual fee to sign up for Relationship Rewards if you have the Key Express Checking account. You should only sign up if you can earn at least $40 in rewards.

ATM Access

Key Bank has ATMs spread across 15 states, but its network consists of only 1,572 ATMs.

You might have some trouble finding a KeyBank ATM that will let you make free withdrawals.

You’ll have to search the areas you frequent to find the closest ATM you can use.

If you ever wind up in an unfamiliar area and cannot use a KeyBank ATM, you’ll have to use an ATM that is owned by another bank.

If you do, KeyBank will charge you $2.50. If you’re outside the US, the charge will be $5 instead.

Note: This charge is in addition to any fees charged by the ATM’s owner.

Given the relatively sparse ATM network, you shouldn’t rely on being able to withdraw cash at ATMs on a regular basis.

Two Ways to Waive the Monthly Fee

The Key Express Checking Account charges a monthly maintenance fee and a paper statement fee.

The paper statement fee is $3 per statement. It’s easy to avoid the fee by signing up for electronic statements.

The monthly maintenance fee is $7. It's lower compared to checking accounts from other big banks.

KeyBank offers two ways to avoid this fee:

  1. Use your account eight (8) times, or
  2. Receive at least $500 in deposits in a statement

So long as you’re receiving direct deposits or regularly using your debit card, it shouldn’t be hard to meet either or both of the requirements.

Other Fees

Monthly maintenance fees are the most common type of fee you’ll have to pay on a checking account.

However, there are other fees that the bank might charge.

Some of the fees that may apply to the Key Express Checking Account are listed below.

Key Express Checking Account Fees

Monthly Maintenance Fee$7
Non-KeyBank ATM$2.50
Overdraft Fee$34
Overdraft Protection Transfer Fee$10
Returned Item$34
Stop Payment$34
Deposited Item Returned$15
Domestic Wire Transfer (incoming)$20
International Wire Transfer (incoming)$20
Cashiers Check$8


The Key Express Checking Account offers a variety of valuable convenience features.

One of the most important aspects of a checking account is how easy it is to you. Your checking account will play a central role in your financial life, so you need to make sure that it isn’t a headache to use.

Being able to access your account easily will go a long way towards making it easy to use.

To that end, KeyBank offers access to your account through both its website and smartphone app. You can log in to your account using any internet-connected device.

When you do, you’ll be able to see your account balance, transaction history, and future scheduled transactions. You can also schedule new transactions if you’d like.

Another powerful account feature is its bill pay service.

Rather than writing and mailing checks each month, KeyBank can handle that for you. Just enter the company you need to pay and the amount you need to send. KeyBank will handle the rest.

Other KeyBank Checking Options

If you're interested in becoming a KeyBank consumer, but aren't sold on this checking account, check out some additional checking account options also offered by this bank:

KeyBank Hassle-Free Account

KeyBank's Hassle-Free Account is a checkless, non-interest bearing, $0 monthly fee checking account, that features easy online banking and no minimum balance fee. If you're looking for a step-up from a basic checking account that includes friendly digital perks and minimal-fee banking, then this account is for you. One important fee to note from this account: if you close your account within 180 days of account opening, you will be charged a $25.00 early account closure fee. 

Here are some of the main fees and highlights from the bank account:

KeyBank Hassle-Free Account Fees

Monthly Maintenance Fee$0
Minimum Opening Deposit$10
Minimum Balance RequirementNone
Overdraft Fee$0
Non-Sufficient Funds Fee$0
Stop Payment Fee$34
Non-KeyBank ATM$2.50
Non-KeyBank ATM Outside the U.S. $5
Paper Statement Fee$0
Overdraft Protection Plans$10

KeyBank Key Advantage Checking Account

The Key Advantage Checking Account at KeyBank is an interest-bearing checking account that offers money-saving options and the convenience of traditional checking accounts. Although this account charges an $18 monthly maintenance fee, KeyBank offers up to a $6 per month reimbursement in non-Key ATM surcharges, and 50% off every time you order checks.

There are three (3) ways to get this $18 fee waived (you must only meet one to waive the fee):

  1. Maintain a combined balance of $10,000.00 or more in KeyBank accounts (accounts include checking and savings deposit accounts, certificates of deposit, retirement deposits, and investment accounts)
  2. Have a mortgage originated through KeyBank and have an automatic payment of $500 or more from your Key Advantage Money Market Checking Account during a statement cycle, or
  3. Be a [email protected] program member and have direct deposits totaling $1000 or more credited to your Key Advantage Money Market Checking Account during a statement cycle

We've researched out some of the main fees and highlights from the bank account:

KeyBank Key Advantage Checking Fees

Monthly Maintenance Fee$18 (waived for the first 3 months)
Minimum Opening Deposit$50
Stop Payment Fee$34
Overdraft Fee and Non-Sufficient Funds Fee$34 for first 2 items, $38.50 for 3 and above
Non-KeyBank ATM$0 plus reimbursement of up to $6 per month of non-Key ATMs
Paper Statement Fee$0
KeyBank Relationship Rewards Annual Fee$30

KeyBank Key Privilege Checking Account

KeyBank's Key Privilege Checking Account is one of KeyBank's more premier checking accounts, that offers optimum saving features, like preferred pricing and automatic daily sweeps. This account offers exclusive insights into your accounts and investments, to ensure your money is always earning premium interest. 

Even though this account has a whopping $25 monthly maintenance fee, the unlimited check writing, no cost standard checks, and preferred CD rates and discounts that it comes with, may make that fee worth it.

To avoid the $25 monthly fee, you must meet one of these requirements:

  1. Maintain a combined balance of $25,000 or more in any combination of deposit, investment, and credit accounts
  2. Have a mortgage originated through KeyBank and have an automatic payment of $500 or more from your Key Privilege Checking Account during a statement cycle, or
  3. Be a [email protected] program member and have direct deposits totaling at least $2,500 or more credited to this account during a statement cycle

Here's some of the main points and fees from this account:

KeyBank Key Privilege Checking Fees

Monthly Maintenance Fee$25 (waived for the first 3 months)
Minimum Opening Deposit$50
Stop Payment Fee$34
Overdraft Fee and Non-Sufficient Funds Fee$34 for first 2 items, $38.50 for 3 and above
Non-KeyBank ATM$0 plus reimbursement of up to $6 per month of non-Key ATMs
Paper Statement Fee$0
Overdraft Protection Plans$10
KeyBank Relationship Rewards Annual FeeNo charge

How it Compares Nationally

Nearly every bank in the United States offers some type of checking account.

It’s easy to understand why, everyone needs one, making the checking account the most common type of bank account in the U.S.

This means that you’ll have a huge variety of accounts to choose from. That means that you should be able to get a great deal by shopping around.

Take the time to find the right account for your needs.

Why? Choosing the wrong account can make dealing with simple financial tasks a burden.

When you’re comparing checking accounts, fees are the first thing to look at.

You want to make sure that you won’t pay any maintenance fees. If the account does charge a monthly fee, make sure that you can meet the fee-waiver requirements each month.

Other things to consider when comparing accounts are:

  • Minimum deposit requirements
  • Fee waiver requirements
  • Interest rates
  • ATM access
  • Convenience features

The Final Verdict

The KeyBank Key Express Checking Account is a solid checking account. It offers some useful features, such as HelloWallet, that could be useful for many people.

You might want to consider a free alternative, such as Intuit’s Mint, and an online checking account.

Online checking accounts are often fee-free and can pay interest.

They may also have valuable features such as ATM fee reimbursement and account monitoring.

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Keybank Frequently Asked Questions

Key Bank Frequently Asked Questions

General Questions

Direct Deposit Questions

Key2Benefits Prepaid Mastercard Questions

General Questions

1. How do I make a payment choice?

You can make a payment choice or change your current choice by logging in to Uplink Claimant Self Service (CSS). Once on CSS, click your name at the top left of the screen and choose Payment Election from the dropdown menu to start the process. You will then be able to link to KeyBank’s secure payment election portal.

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2. What are my choices?

DWD provides you with the ability to choose between the following two options:

  1. Direct Deposit to a U.S. checking or savings account, or
  2. Key2Benefits prepaid Mastercard.

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3. What happens if I don’t make a choice?

You will receive a Key2Benefits prepaid Mastercard at the mailing address on file for you on CSS.

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4. Can I go into a KeyBank branch for assistance with my payment election, if I have questions with my unemployment insurance payment or if I’m having problems with my Key2Benefits card?

No. KeyBank branch staff members are unable to assist with any inquiries dealing with the UI program.  The KeyBank branch team can help with opening a new KeyBank account or they can provide guidance on financial wellness initiatives and products such as savings accounts, mortgages and debt consolidation.  If you have questions, contact one of the following:

  • Questions regarding your Key2Benefits prepaid Mastercard: call KeyBank at 1-833-459-3452
  • Questions regarding your Unemployment Insurance Claim: visit your claimant homepage or reach us via our Contact page.

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5. How long does it take to receive payment in my bank account or on my Key2Benefits card after I see the payment on my Uplink CSS Claimant Homepage?

Even if your Uplink CSS Claimant Homepage indicates a payment, it can take until 2pm for funds to appear in your bank account or on your Key2Benefits card.  If you have selected a Key2Benefits card, you can go to at any time to sign up for free alerts to notify you when a payments occur. If you not received funding on your card by 2 pm, you can call 1-833-459-3452 for guidance.  If you signed up for direct deposit, you will need to contact your bank with questions.

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6. Can I review or change my payment election choice?

You can review your choice on KeyBank’s portal. You can access this portal by logging into CSS, clicking your name at the top left of the screen and choosing Payment Election from the dropdown menu. From there you will be able to link to KeyBank’s secure payment election portal.

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7. Is DWD collecting my banking information?

No, DWD is not collecting any banking information. When you click on the “Make or Change My Election” link, you will be securely taken to KeyBank’s payment portal.

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8. Why did I get a letter in the mail about DWD owing me money?

There are several reasons that a person might receive a notice about DWD distributing more money to a claimant than originally received. Some of these reasons are correction of a reporting error by the claimant or employer or over-collection of a benefit overpayment. Your CSS homepage is the best source of information about the specific reason that you received a letter from DWD about an additional payment.

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9. Do I get charged if I contact KeyBank?

No. KeyBank provides unlimited access to service channels, computerized call response (IVR), customer service and the online portal without any fees.

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10. Who do I contact if I think someone else is accessing my bank account or Key2Benefits prepaid Mastercard?

If someone is accessing your bank account, report the issue to your bank. If someone is accessing your debit card, report the activity to the Key2Benefits customer service center at 1-833-459-3452.

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Direct Deposit Questions

11. I changed bank accounts, now what happens?

If you have chosen direct deposit as your payment method, you must provide this information to KeyBank so that your UI benefits continue to be directly deposited. Log into CSS and choose Payment Election to link to KeyBank’s secure payment election portal. If you changed banks and did not update your account information, your old bank will return the payment to KeyBank. If you have updated your election and provided your new bank information, the payment will be sent to your new bank when your old bank returns the money. If KeyBank does not have your correct bank information, or if you no longer want direct deposit, your money will be placed on a Key2Benefits prepaid Mastercard when your old bank returns the money.

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12. If I select direct deposit, how soon will my benefits be available?

Your money will be deposited in the bank account you provide within two business days of the claim voucher being approved.

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13. If I select direct deposit, will I receive a card in the mail too?

You will not receive a card in the mail if you timely select direct deposit.

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Key2Benefits Prepaid Mastercard Questions

14. If I select a Key2Benefits prepaid card, when will I get my card?

If you elect a Key2Benefits card, the card will be mailed by regular first class mail two business days after you make the election. Please allow 7-10 days for mail time. The card will not be funded yet when you receive it as it typically takes DWD 21 to review and approve an unemployment insurance benefits claim. If you have not received the card, you can check the status on, click on “Check Your New Unemployment Card Status Here.”

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15. Can I request the card by next day (2-day) mail?

You can request an expedited replacement card, but there is a $15 fee. To prevent needing this service, be sure to keep your address updated in CSS at all times.

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16. What happens to my debit card if it is mailed to the wrong address?

Please keep your address updated in CSS to prevent this from happening. If the card is returned to KeyBank, it will be destroyed. A new card will be issued after you update your address in CSS. Once your address change has been processed, please contact Key2Benefits customer service center at 1-833-459-3452 to request a replacement card.

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17. Will I get an alert when a deposit is made on my Key2Benefits card?

Yes. Deposit notification alerts are available. When you receive your card, you will need to create a login to the KeyBank cardholder website at Once logged in, you will be able to choose various alerts that can be sent by email or text message.

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18. Where is the nearest ATM to me (How do I find the nearest ATM)?

The Key2Benefits prepaid card is Mastercard branded and will be accepted at any ATM where Mastercard is accepted. KeyBank provides both fee free and surcharge free access at KeyBank ATM and Allpoint ATM locations as part of our in-network offering. While your card will work at other ATMs, fees and surcharges may be applied. You can use the ATM locators below to find the nearest ATM location for free access to your funds.

KeyBank ATM Locator:
Allpoint ATM Locator:

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19. What fees are charged on the new card?

IN Short Form KeyBank. See the short form document on this page for more detail.

Fee Information: Short Form | Long Form

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20. Did the fees increase when DWD changed cards?

No. The Key2Benefits prepaid Mastercard has fewer fees than the prior Blue card.

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21. How do I report a lost or stolen card?

Please call the Key2Benefits customer service center toll-free at 1-833-459-3452 to report a lost or stolen card.

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22. Is there a website where I can manage my new card?

Yes. You can manage your card online at

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23. How long is the Key2Benefits prepaid card good for? (Expiration date)

The Key2Benefits card is good for 3 years from the issue date.

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24. Why was there no money loaded on my debit card when I received it? What should I do?

If you elect to be paid on a debit card, you will receive the card in anticipation of your claim being approved. If your claim is not approved, the card will never have money loaded onto it. You do not need to do anything if this happens.

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25. If I lose my card can I go into a KeyBank branch to order a replacement card?

No. Replacements cards must be requested through customer service at the toll-free number 1-833-459-3452.

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26. How do I set up a PIN for my new Key2Benefits card?

Instructions for the PIN comes on every card carrier attached to the stored value card. Whether it is a new or replacement card, you will need to complete 3 steps. You must activate the card, establish a PIN and sign the card before use. NOTE: you must set a PIN on activation as the card does not come with a preset PIN.

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27. What if I do not remember my PIN and I lock my card?

If your PIN is locked, you should call 1-833-459-3452 or go to to reset the PIN. You should not call a local KeyBank branch as they will be unable to assist with this PIN reset request. NOTE: If the PIN is locked, the card can still be used. You can make swipe/dip purchases as credit, do online transfers or make bill payments through

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28. Do I need to use my PIN to use my card?

No, you can make swipe/dip purchases as credit, do online transfers or make bill payments through

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29. What do I do if I still have questions about my Key2Benefits card?

Additional FAQ’s about the Key2Benefits program can be found at:

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KeyBank - Key Business Online

With one hand he grabbed her hand, the other caught on the curbstone and Svetka and I flew to the floor. The dressing gown on her came apart, she fell on my feet and pressed her sharp breasts to me. A member, I felt something warm and moist pressed against him. We dug into each other's lips, and Sveta wriggled her hips, abundantly covering my penis with her lubricant.

Fee reimbursement weekend keybank

The sunset had long passed and the lanterns illuminated the alley, but still people were still walking, but the side where I walked. Was empty and there was no one. I was walking along the path among the trees and suddenly behind the bush I heard the moans of a girl and a. Man's quiet gasping voice.

When I came closer I realized that they had sex right here.

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Now he would gladly repeat this with any girl he met, without regard to morality. The morality in this world is over. If only she was more or less pretty and alive. By the way, after a couple of weeks he still got Olga, bored, sadly, in the back seat in his car, scrolling in his head the moments of that evening when.

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When I was leaving, Tanechka kissed me on the doorstep and even thanked me - she feels so good now. Volodya was in a hurry, they pressed on him and yelled at him, and on Friday, April 2 in the morning, he handed me a travel certificate. Money for travel and a bonus - for additional expenses. So at 9 o'clock in the evening I got on the regular bus "Nikolaev - Donetsk".

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