|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|
|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.