Here’s Your KeyBank Routing Number

By Gabrielle Olya

February 11, 2022

Your checking account’s routing number is used for transferring funds to or from your account, so you’ll need to know it in order to sign up for automatic bill payments, send a wire transfer or set up direct deposit. If you’re transferring money from your KeyBank account, or need to transfer money to a KeyBank customer’s account, a routing number is necessary to complete the transaction.

KeyBank Routing Numbers by State

What Is a Routing Number?

A routing number, also known as a routing transit number or ABA number, is a nine-digit number assigned by the Federal Reserve to an American financial institution. The number is used for electronic bank-to-bank transfers within the U.S. Routing numbers are determined by the American Bankers Association and are only issued to federal- and state-chartered financial institutions that are eligible to maintain an account at a Federal Reserve bank.

Your specific KeyBank routing number is determined by where you opened your account. KeyBank has different routing numbers depending on the state and even different regions within a single state.

How To Find Your KeyBank Routing Number

You can find your KeyBank routing number in more than one way. If you don’t have this GOBankingRates chart handy to look up your routing number, you can find it on checks associated with your KeyBank account or by accessing your account online. On checks, the routing number is the first set of numbers located on the bottom left. The second set of numbers represents your account number and the last set of numbers make up the individual check number.

You will need both your routing and account numbers to receive funds directly into your KeyBank account.

What Do the Digits in Your Routing Number Mean?

The nine digits that make up your routing number contain identifiers that help pinpoint your account at your bank. The first four digits indicate the geographic location of the bank where you opened your account. The second four digits indicate your bank branch, while the final digit acts as a safety check to ensure the funds are being transferred to the right place.

If you are a KeyBank customer who’s receiving an international wire transfer, you’ll need to use the KeyBank SWIFT code to receive funds. SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication, and SWIFT codes are utilized by banks and other financial institutions to securely exchange messages or funds. Here’s KeyBank’s SWIFT code:

If you’re wiring money internationally from KeyBank to a bank abroad, you’ll need to use the destination bank’s SWIFT code.

A final way to send and receive funds is through an automated clearing house transaction. The ACH system was originally developed as an electronic alternative to checks. Unlike wire transfers, which can be processed immediately, ACH transactions usually take one business day to process. For most KeyBank customers, the ACH routing number is the same as the wire transfer routing number. Here’s a look at different ACH routing numbers for different states:

Whether you’re setting up direct deposit at work or want your tax return deposited into your account, your routing number is an essential part of many different financial transactions. Knowing your routing number — or knowing how to find it — will help ensure your money gets into your account faster and more efficiently.

Information accurate as of Feb. 11, 2022.

About the Author

Gabrielle Olya

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and People.com. Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.