KeyBank National Association

Headquarters: Cleveland, Ohio
Charter: Bank
Assets: $188.6B
Fed district: Cleveland
Regulator: OCC
Holding company: Keycorp

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 7, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 7, 2026

How these figures are measured

Call-report figures are for KeyBank National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCFD2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	KeyBank National Association's published fee schedule; Bank Fee Index medians	Current schedule	Oct 7, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: KeyBank National Association (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $76.9M in Q2 2026, 4.4% above the same quarter a year earlier ($73.7M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
KeyBank National Association: No fee
KeyBank National Association: No fee
U.S. median: no median
Overdraft (OD)
KeyBank National Association: $20
KeyBank National Association: $20
U.S. median: no median
Non-Network ATM
KeyBank National Association: $3
KeyBank National Association: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 3.4% from Q3 2025 to Q2 2026, to $76.9M.

Service-charge income, Q2 2026

$76.9M

$74.4MQ3 2025

$78.5MQ4 2025

$76.6MQ1 2026

$76.9MQ2 2026

Against the median

KeyBank National AssociationMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

KeyBank National Association · $188.6B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$68.8B to $299.2B in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
KeyBank National Association(this institution)	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ally Bank	Sandy, UT	$188.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Express National Bank	Sandy, UT	$213.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
BMO Bank National Association	Chicago, IL	$255B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Charles Schwab Bank, SSB	Westlake, TX	$250.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
City National Bank	Los Angeles, CA	$99.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
East West Bank	Pasadena, CA	$84.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fifth Third Bank, National Association	Cincinnati, OH	$299.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Horizon Bank	Memphis, TN	$84.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First-Citizens Bank & Trust Company	Raleigh, NC	$236.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Flagstar Bank, National Association	Hicksville, NY	$87.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HSBC Bank USA, National Association	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morgan Stanley Private Bank, National Association	Purchase, NY	$250.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Old National Bank	Evansville, IN	$73.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Nashville, TN	$128.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Regions Bank	Birmingham, AL	$159.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Santander Bank, N.A.	Wilmington, DE	$104B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SouthState Bank, National Association	Winter Haven, FL	$68.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Huntington National Bank	Columbus, OH	$283.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Northern Trust Company	Chicago, IL	$178.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
UMB Bank, National Association	Kansas City, MO	$71.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
USAA Federal Savings Bank	Phoenix, AZ	$106.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Western Alliance Bank	Phoenix, AZ	$98.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zions Bancorporation, N.A.	Salt Lake City, UT	$89B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $10.75 (100%) below the median of similar-sized banks.

Its published price is $0, against a peer median of $10.75 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

KeyBank National Associat…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for KeyBank National Association (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $76.9M
vs prior quarter: +$303K+0.4%; from Q1 2026
vs a year earlier: +$3.3M+4.4%; from Q2 2025
vs start of range: +$10.3M+15.4%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: KeyBank National Association (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$76.9M	+$303K	+0.4%
Q1 2026	$76.6M	−$1.9M	−2.4%
Q4 2025	$78.5M	+$4.1M	+5.6%
Q3 2025	$74.4M	+$713K	+1.0%
Q2 2025	$73.7M	+$4.8M	+7.0%
Q1 2025	$68.8M	+$4.2M	+6.6%
Q4 2024	$64.6M	−$2.0M	−3.1%
Q3 2024	$66.6M	+$301K	+0.5%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from KeyBank National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance Service ChargeNo charge
per month
Statement Charge (paper statement)No charge
per month

Overdraft & NSF

Overdraft (OD)$20
per item
Recurring Overdraft Service Charge$20
per item

ATM & Card

Non-KeyBank ATMs fee$3
per transaction
International ATMs$5
per transaction
Debit Card Replacement, Standard DeliveryNo charge
per item
Debit Card Replacement, Rush Delivery$25
per item
Debit Card Foreign Transaction Fee3%of the transaction

Wire Transfers

Wire Transfer Domestic Outgoing$30
per transaction
Wire Transfer International Outgoing$45
per transaction

Check Services

Official Bank Check$8
per item
Money Order$5
per item
Stop Payment Charge$34
per item
Statement Charge (with check images)$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance Service Charge	No charge	per month	None
Statement Charge (paper statement)	No charge	per month	None
Overdraft & NSF
Overdraft (OD)	$20	per item	None
Recurring Overdraft Service Charge	$20	per item	None
ATM & Card
Non-KeyBank ATMs fee	$3	per transaction	None
International ATMs	$5	per transaction	None
Debit Card Replacement, Standard Delivery	No charge	per item	None
Debit Card Replacement, Rush Delivery	$25	per item	None
Debit Card Foreign Transaction Fee	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Domestic Outgoing	$30	per transaction	None
Wire Transfer International Outgoing	$45	per transaction	None
Check Services
Official Bank Check	$8	per item	None
Money Order	$5	per item	None
Stop Payment Charge	$34	per item	None
Statement Charge (with check images)	$3Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where KeyBank National Association operates, and what regulators and customers have on file.

Consumer complaints

769 complaints to the CFPB so far in 2026

Checking or savings account
Mortgage
Bank account or service
Credit card or prepaid card
Other

Top issues, 2026 to date

Managing an account	255
Problem with a lender or other company charging your account	63
Opening an account	55
Closing an account	38
Incorrect information on your report	37
Problem caused by your funds being low	34

Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.

Fee change alerts

Get an email when KeyBank National Association's cashier's check changes in our data

We check once a day and send one email covering every change.