If you notice an unauthorized purchase on your account, report it by calling 800-KEY2YOU® (800-539-2968) or write to us at: Credit Card Disputes, 17 Corporate Woods Blvd, Albany, NY. We will review your account with you to verify recent activity and initiate a dispute for the unauthorized transaction(s). We may require you to submit the details regarding the dispute in writing. If necessary, we may also block the card to prevent additional unauthorized transactions and have a new card issued to you. To earn debit card rewards, you must enroll in the KeyBank Rewards program and make purchases using your KeyBank Rewards Debit Mastercard or your KeyBank Rewards World Debit Mastercard (available only to Key Privilege Select clients). To enroll: • Current KeyBank clients: call 800-KEY2YOU (800-539-2968)or visit your local • New KeyBank clients: request to enroll in KeyBank Relationship Rewards when opening your new Once you have enrolled in the program, you can register on the website to check your points balance and redeem rewards. Register on the KeyBank Rewards site by using your debit card number or Rewards account number found in Online Banking and/or your statement, the last four digits of your social security number, and select Submit. Upon your initial sign-in, you will be prompted to create a unique user ID and password for your KeyBank Rewards account. If you are approved for a KeyBank credit card with rewards, you are automatically enrolled in the KeyBank Relationship Rewards ® program. To earn credit card rewards, simply begin making purchases on your credit card. Register your account at to check your points balance and redeem rewards. To register, enter your credit card number or Rewards account number found in Online Banking and/or your statement, plus the last four digits of your social security number, and select Submit. Upon your initial sign-in, you will be prompted to create a unique user ID and password for your KeyBank Rewards account. Our general Funds Availability Policy (Policy) for deposits to all Personal deposit account and specified Business deposit account types described in KeyBank’s Deposit Account Agreement and Funds Availability Policy is to make funds from your cash and all check deposits available to you on the first business day after the day we receive your deposit provided a case-by-case or an exception hold is not placed on a check deposit. 32 related questions. Welcome to Bank of America. Receive a debit chip card, Online & Mobile Banking. Prepare for your new baby with some key financial tips. Whether you're new to U.S. Bank or a current customer, the first thing you need to do when you receive your U.S. Bank Check Card is activate it. How to activate your credit card and create a PIN with Australia's leading bank, the Commonwealth Bank. For your convenience, Online Banking displays details of the hold. If you have additional questions, please call 800-KEY2YOU (800-539-2968). Direct deposits of electronic payments, such as Social Security benefits and payroll direct deposits are available on the business day that the funds are due to you. Wire transfers received by 6:00 p.m. Eastern Time, cash deposits made in a KeyBank branch and at a KeyBank image ATM are available on the business day of deposit. The sum of cash, checks, and other items which have been on deposit long enough to be available for withdrawal is called your Available Balance. We make funds from your deposits available to you as described in detail in the Policy by type of deposit. Until funds are available, you will not be able to use them for certain transactions. To determine when a deposit will be available, the length of the delay is counted in business days beginning with the business day following the day of your deposit. Every day is a business day except Saturdays, Sundays, and legal holidays. Our business day starts no later than 9:00 a.m. Deposits made after 7:00 p.m. Local time on any business day at an automated teller machine ('ATM') owned and operated by us will be considered received by us on the next business day. You can identify ATMs owned and operated by us by the initial screen message. Deposits made using the Mobile Deposit service to an eligible Personal deposit account after 11:00 p.m. Eastern Time on any business day will be considered received by us on the next business day. Contact KeyBank as early as possible to initiate a dispute. Disputes may be initiated by email via Contact Us in Online Banking, by calling 800-KEY2YOU (539-2968), or by visiting your local branch. You must provide the account number, date of the transaction, the amount, and the merchant/transaction description and will be required to complete and return an affidavit form. We can either mail or fax the form to you. Once we receive your fax number or mailing address, we will initiate a dispute for the direct withdrawal. Your dispute cannot be completed until the signed form has been returned. Within 10 days, we'll notify you of our findings. There are two types of access codes — a Key telephone access code and a personal identification number (PIN) — used when calling into the VRU for account information: • Key Telephone Access Code: Used during the VRU authentication process when you enter a checking, savings, line of credit, or installment loan account number. This code is four to six digits long. • PIN: Used during the VRU authentication process when you enter an ATM/debit card account number. This code is four digits long. When you initially use the VRU with an account number, the access code will be the last four digits of your Social Security number. You are prompted at this time to change this to a more secured Key telephone access code. If you choose not to change it at this time, you will have the option through the VRU menu. You may set up or change your telephone access code and PIN by calling 800-KEY2YOU. Frequently Asked Questions Why does my KeyBank credit card or debit card now have a chip? The chip provides greater protection against fraud when used in the U.S. Or abroad to make payments with merchants that use chip-enabled payment terminals. Many countries outside of the U.S. Have already adopted this technology, and chip cards will soon be a standard in the U.S. We want you to be prepared. What is a chip card? A chip card is a standard-size debit or credit card that contains an embedded microchip as well as the traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at a chip-enabled terminal. How does a chip card work? The chip contains the same information that's stored on the magnetic stripe. But instead of swiping, the card is inserted face up and chip first into a chip-enabled payment terminal, and will remain in the terminal for the duration of the transaction. The information stored on the chip is validated either by an online or offline method to authenticate the cardholder and authorize the transaction. How does the chip make a debit or credit card more secure? The chip alone does not make the card more secure. Using the card in a chip-enabled payment terminal adds an additional layer of security. Every time a chip card is used for payment at a chip-enabled terminal, the chip creates a unique single-use code to validate the transaction and the code cannot be used again. This process makes chip card information more difficult to steal, therefore making chip cards more difficult to counterfeit. Where can I use my chip card? Anywhere Mastercard ® is accepted. Can I still use my old card? You need to activate your new card and destroy the old one. How do I use my chip card? The chip card is easy to use. While the process is not as quick as swiping your card, it is much safer. At merchants with chip-enabled payment terminals, insert your card into the reader. Your card will remain in the reader while the transaction is processed. Follow the prompts as you do today to complete your purchase. Sign or enter your PIN to confirm your purchase and once the transaction is completed, remove your card from the reader. NOTE: If you remove the card too soon, the transaction will be canceled and you'll have to start over. KeyBank debit card users will need to confirm purchases by entering their PIN. For transactions made online or by phone, nothing changes. How do I use my card if the merchant does not have a chip-enabled payment terminal? You card also has a magnetic stripe, so swipe it as you did your old card. What should I do if I have an unauthorized transaction on my chip card account? Notify KeyBank as soon as you suspect unauthorized charges on your card. If the charges are fraudulent, KeyBank will file a dispute to reclaim those funds along with issuing you a new account number and closing your current credit or debit card account to prevent additional unauthorized charges. If the charges were placed on your account in error (e.g., a double charge from a merchant), KeyBank will file a dispute to correct the error and reclaim those funds. If you notice an unauthorized purchase on your account, report it by calling 800-KEY2YOU® (800-539-2968) or write to us at: KeyBank Card Disputes, 17 Corporate Woods Blvd, Albany, NY. We will review your account with you to verify recent activity and initiate a dispute for the unauthorized transaction(s). We may require you to submit the details regarding the dispute in writing. If necessary, we may also block the card to prevent additional unauthorized transactions and have a new card issued to you. Can chip card information still be stolen? It can, but whether or not the information can be used for fraudulent purposes depends on how the transaction was conducted. If the card is used at a merchant who has not upgraded to chip-enabled payment terminals and the card must be swiped, card information can be stolen and used to create a fraudulent card. Similarly, this can also happen when using your card for phone and online purchases. But when the card is used at a merchant who has upgraded to chip-enabled payment terminals, the chip creates a unique code for the transaction that, if stolen, cannot be used to create a fraudulent card. Will chip card technology prevent third-party data breaches? The additional layer of security provided by using your chip card at a chip-enabled terminal makes the chip card data much less valuable, decreasing fraudsters' incentive to steal that information and their ability to make a counterfeit card. Chip technology will help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach. How do I report a lost or stolen chip card? For lost or stolen cards, please call 800-KEY2YOU ® (800-539-2968).
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