www.key.com- Key Bank Online Banking Overview

Key Bank Online Banking is an all the time banking service that is fast and convenient to use. The access of account through the online channel becomes easier for the customer of the Key Bank. From now on, they don't have to hit on the gas to reach the bank premises to avail the banking services. They not even have to stand in the queue for accessing the same. Key Bank Online Banking has allowed them to shop for the banking related products and services right from their personal computer either from home or office premises. The customer only needs to log on to the Key Bank Online Banking website and register himself or herself for the same.

Online service provided by the Key Bank are very efficient and are free to use. Enrolling for Key Bank Online Banking is very easy and only needs certain steps to be followed. A person having any type of account with the Key Bank are entitled to receive this online facility. It is now not mandatory for a person to have a checking account to get hold of the online banking service. But when a customer is inerested in paying off the bill through the bank then it becomes mandatory for him or her to possess a checking account along with an ATM or Debit card.

Now, let us see the products and services offered by the Key Bank Online Banking to its revered clients :-

* Accounts with the Key Bank can be accessed by the customers through the online medium. Now, what are the accounts that can be observed through this? They are savings account, checking account, account meant for retirement and which is again insured through FDIC, CD, accounts for the line of credit, credit card, etc.
* The current balance can be observed by the customers of their own accounts. The accounts for which the balance can be viewed are savings and current.
* Key Bank Online Banking provides the customers in opening new accounts through the online route. They can also make investment through the online website of the Key Bank known as Key.com. The connection provided by Key Bank Online Banking is very secured one through OBI security. This system provides the facility of pre-filling of the informations regarding the customer.
* One can transfer the required funds from one account to the other for making payment. Thus, the payments can be done through this online channel just by giving instruction to the bank for transferring fund from one account to another one.
* The transfer of funds can be materialized through Key Bank Online Banking and these transfers vary from the recurring type to one time type (which has been scheduled earlier) to the future dated ones. The Key bank offers its customer with another advantage which is rare in case of other banks. This is the unique facility of transference of funds from the account with the Key Bank Online Banking to the account of any other financial organization.
* The already transacted checks can be viewed online by the customers of the Key Bank. These checks are known as the cancelled ones. Having a view of the same makes the customer satisfied that the payment made through the check has been carried forward. This acts as a means of guarantee as well as a document for the customer of the bank whose check has been cleared. In addition to this, some more activities can also be performed through this online facility. The checks can be ordered through the online channel by the account holder. Another very important function can also be performed through Key Bank Online Banking and that is stopping of payment of an already given instruction. This is a very important one in the sense, the concerned person do not need to go to the bank premises to convey the message which is obviously a time consuming one. But with the online facility, the payment can be stopped at any time of the twenty four hours and even at the very last hour. This might have not been possible though the off-line mode of banking.
* The statements through the paper format are tough to handle and manage because within a short period of time they stack up to add to the woes of the account holder. This characteristic feature of the paper statement make them tough to preserve. So, Key Bank Online Banking has come up with the facility of online generation and transmission of the statements. These statements can either be viewed by the concerned account holder by visiting the site of the bank or could be sent by the bank to the personal email account of he same. Some more important features are attached with this online statement generation service. These statements are given the same weightage by every organization as that of the paper statement. Key Bank Online Banking allows its customers to download the online statement to the software of his or her personal computer. If a person needs these statements for the purpose of provision of any type of document then he can do it by taking a print out of the same directly from the net.
* Customers of the Key Bank Online Banking are privileged in getting the online access to the account meant for the Certificate of Deposit (CD).
* Records of transactions can be downloaded from the online sources by the account holders to the software of his or her personal computer. This software is known as Quicken/MicroSoft Money. This transaction details can also be downloaded by creating a comma delimited file. The Online generated transaction records can then be exported into a spreadsheet of the personal computer of the client.
* The customers can always log on to their accounts and update all their personal informations any time they want.
* One of the most important services provided by Key Bank Online Banking among the whole lot is the alerts that are generated online whenever there is any type of payment related information.

These customers are intimated through certain alerts concerning their personal account. The alerts are given through the online routes whenever the balances in the checking account of the customer are either negative or low. Whenever money is either deposited or withdrawn from the account of the account holder then an alert is sent to the customer by the banking authority through the electronic mailing services routed through their service center. Alerts are also generated whenever there is any due in payment by the account holder in any count. Account alerts can also be adjusted by the customer through the Key Bank Online Banking for reminding them about the payment particulars. In case a payment remains due or materialization of any payment, these reminders are generated and sent to the account holder through e-mail. When ever there is any type of billing payment done through the online channel, then also the alerts are generated and sent to the respective customer of the Key Bank Online Banking. This process involves the following procedures :-

1. The bill is sent to the bank through the online medium to the bank.
2. This information is then sent to the account holder in the form of alert through the form of electronic mail for confirming the billing particulars.
3. After confirmation, the bill payment amount is automatically debited by the bank from the account of the account holder and credited to the destined account.
4. When the debiting procedure is over then an alert in the form of e-mail is sent to the customer informing him or her about the completion of the bill payment process. Through this mail, other associated details about the transaction is also sent to the customer.

Key Bank Online Banking provides its customers with the highly secured environment for banking through on,line channels. The personal informations of its clients are highly prioritized issues for the entire Key bank family and thus they employ all their efforts in securing the same. The customers could avail this secured online banking facility by getting their computer registered with the special cutting edge technology named Online Banking and Investing and is abbreviated as OBI. The customers can enroll for this facility through the use their ATM/Debit Card. But in case a customer does not enroll himself or herself for the same then he or she has to provide the website with certain additional authentication. This process is repetitive and every time the customer logs in, he has to provide the same to the log-in site of the Key Bank Online Banking. This OBI technology gives the customer with an extra protective layer of security from cyber crime. Each customer can enroll multiple computers into this OBI scheme from which he could log in into his or her account. But it is needed that each such computer has separate enrollment identity.

Now, a customer can enroll his or her computer for the Online Banking and Investing by following the steps given below :-

* The customer is needed to enter the identification number of the user and the corresponding personal password
* After entering the above the customer is required to select the tab with the tag “Sign On”.
* When the account holder signs in for the first time then the the system would not be able to recognize the computer. Hence, it would ask the customer to register his or her computer in the OBI technology.
* After this, the customer is needed to register the concerned computer by selecting the tab named “Yes”. Then the customer could give a nick name to the same for special identification. After that the customer needs to submit the page. This will register their computer in the OBI.


Find out more about Key Bank Online Banking Visit www.key.com