KeyBank check clearing at a glance
| Standard availability | $100 same day; rest next business day |
|---|---|
| Mobile deposit cutoff | 11 p.m. ET |
| New accounts | Up to 9 business days (first 30 days) |
How long does KeyBank hold a check?
For personal accounts, KeyBank's policy is to make cash and check deposits available the first business day after the day it receives them, through every deposit channel. For branch and KeyBank ATM deposits, the first $100 of a day's deposits is available that same business day.
KeyBank mobile check deposit: cutoff and availability
Cutoff: 11:00 p.m. ET on a business day for mobile deposits to personal accounts.
Standard (no-fee) mobile deposits to personal accounts are fully available the first business day after the deposit; the same-day $100 does not apply to mobile deposits. Mobile deposit limits are not published on the pages read.
Branch and ATM deposits
At a branch or a KeyBank-owned ATM, the first $100 is available the same day and the rest of the checks the next business day. Deposits at an ATM not owned and operated by KeyBank 'will be available for withdrawal within five (5) business days'. Cash at a branch or KeyBank image ATM is available the same day; cash at an envelope ATM the next business day.
Cutoff: KeyBank-owned ATM: deposits after 7:00 p.m. local time count as the next business day. Branch cut-offs vary by location but are 'not earlier than 2:00 p.m.' and are posted in the branch if earlier than closing time.
New accounts vs. older accounts at KeyBank
During the first 30 days, at KeyBank's discretion, cash, wires and the first $6,725 of a day's cashier's, certified, teller's, traveler's and government checks are available the next business day (the excess by the ninth business day). Funds from all other check deposits are available on the ninth business day after the deposit.
Once an account is more than 30 days old, the standard schedule above applies unless an exception hold is placed.
Longer holds and exceptions
A case-by-case hold can delay a check to the second business day, with the first $275 available the next business day. Exception holds apply if KeyBank believes a check won't be paid, you deposit more than $6,725 in one day, you redeposit a returned check, you've overdrawn repeatedly in the last six months, or in an emergency; funds are generally available no later than the seventh business day, and KeyBank will notify you.
How to get your KeyBank deposit faster
Immediate Funds, in the KeyBank mobile app for eligible checks, makes a mobile deposit available right away for a fee of 2% of the deposit amount (minimum $2). Requests after 11:00 p.m. ET are immediately usable for ATM and point-of-sale only. Government, cashier's, certified and teller's checks get next-day availability when deposited in person to a KeyBank employee with a special deposit slip.
Worth knowing: Deposits at non-KeyBank ATMs can take up to five business days. New customers can face holds until the ninth business day on ordinary checks.
The federal rules behind KeyBank's policy
Federal Regulation CC sets the outer limits for most check deposits at US banks, including KeyBank: the first $275 by the next business day, most of the rest by the second business day, and longer “exception holds” only in specific cases. Banks can be faster, and some deposit types (such as mobile deposits at some banks) follow the bank's own schedule. Read our full guide: how long does a check take to clear? Depositing by phone? See how to deposit a check with your phone.
Policies change. This summary is based on KeyBank's own published documents as read on October 27, 2026 (listed below). Your account agreement, the deposit screen in your app and any hold notice you receive are what count. “Not published” means we didn't find it in KeyBank's public documents.
Compare check clearing times at other banks →
Paying someone by check?
Write, sign and print a bank-ready check on blank check stock in about a minute, or email it as a PDF.
Write your first check free →Frequently asked questions
How long does it take a check to clear at KeyBank?
For personal accounts, KeyBank's policy is to make cash and check deposits available the first business day after the day it receives them, through every deposit channel. For branch and KeyBank ATM deposits, the first $100 of a day's deposits is available that same business day.
What is the KeyBank mobile deposit cutoff time?
11:00 p.m. ET on a business day for mobile deposits to personal accounts.
How long does a KeyBank mobile check deposit take?
Standard (no-fee) mobile deposits to personal accounts are fully available the first business day after the deposit; the same-day $100 does not apply to mobile deposits. Mobile deposit limits are not published on the pages read.
Are check holds longer for a new KeyBank account?
During the first 30 days, at KeyBank's discretion, cash, wires and the first $6,725 of a day's cashier's, certified, teller's, traveler's and government checks are available the next business day (the excess by the ninth business day). Funds from all other check deposits are available on the ninth business day after the deposit.
Why is KeyBank holding my check?
A case-by-case hold can delay a check to the second business day, with the first $275 available the next business day. Exception holds apply if KeyBank believes a check won't be paid, you deposit more than $6,725 in one day, you redeposit a returned check, you've overdrawn repeatedly in the last six months, or in an emergency; funds are generally available no later than the seventh business day, and KeyBank will notify you.
How can I get my KeyBank check deposit faster?
Immediate Funds, in the KeyBank mobile app for eligible checks, makes a mobile deposit available right away for a fee of 2% of the deposit amount (minimum $2). Requests after 11:00 p.m. ET are immediately usable for ATM and point-of-sale only. Government, cashier's, certified and teller's checks get next-day availability when deposited in person to a KeyBank employee with a special deposit slip.
Related guides
- How long does a check take to clear? (federal rules)
- Compare all banks
- How to deposit a check with your phone
Sources
- KeyBank Deposit Account Agreement and Funds Availability Policy (effective September 18, 2026), Part II · deposit agreement, read Oct 27, 2026
- KeyBank Mobile Check Deposit · mobile deposit page, read Oct 27, 2026
Last updated October 27, 2026. This page is general information, not legal or financial advice.
Bank names and logos are trademarks of their owners, used for identification only. Quick Check Writer is not affiliated with or endorsed by any bank.