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Key Pay

Key Pay allows Cross Keys Bank customers to send money both safely and conveniently though their mobile device on the Cross Keys Bank app or online on the Cross Keys Bank website using their debit card.
  • Cross Keys Bank customers can send money to nearly anyone (i.e., splitting lunch with colleagues, kids away at college, babysitter, lawn mowing service, etc.) from their accounts with a simple click or tap. All you need to know is the recipient's email address or phone number.
  • To use Key Pay, simply log into your online banking through your Cross Keys Bank mobile banking app on your smart phone or on the web on Cross Keys Bank Online Banking. Navigate to Key Pay to open the "Send Money" Page and input recipient's mobile number or email address, transfer amount and your Cross Keys Bank debit card information.
  • The recipient of the money will receive an email or text message with a link which will allow them to input their account number or debit card number to receive the money.
  • The funds are then deposited into the recipient's account, nearly instantly if an eligible card is provided. If the account number is provided, it takes approximately 1-3 days.
Why use Key Pay?
Key Pay is a convenient, secure way for end users to pay friends, family and other individuals. Using the existing debit infrastructure, Key Pay requires no waiting period to begin using the service and funds typically can be transferred near real-time.
Is there a cost to use Key Pay?
Key Pay is FREE!

Do end users need to apply for a new card or enroll in a service to send money using Key Pay?
No, end users only need their existing debit card - nothing else. There is no enrollment or additional downloads.
Do end users need to register an account to use Key Pay?
No, there is no enrollment required to perform Key Pay transactions. End users only need their debit card. The recipient does not need to enroll nor do they need an account with Cross Keys Bank to receive funds.
Are funds removed immediately?
Yes, similar to an ATM withdrawal funds are removed immediately from the sender's account.
When will the recipient receive the funds?
The timing depends on the recipient. If the recipient uses an eligible debit card, the funds are immediately available. If the recipient uses ACH (account # and routing number), the funds will be available in 1-3 days, depending on the recipient's bank process.
What if the recipient does not receive payment?
If the recipient does not claim funds within 10 days, the funds are returned to the sender's account.
Will the sender or the recipient receive text or spam messages?
The only text or email messages a sender or recipient receives pertains to sending or receiving funds. There will be no marketing or spam in either emails or texts.
Will an end user's personal information be shared with the recipient?
No, personal information is shared; however, in order to process a transaction, basic information that a customer provides regarding the transaction may be shared with the recipient.
Is Key Pay available outside of the United States?
Currently, Key Pay service is only available to eligible transaction accounts within the United States.
If the recipient's financial institution does not offer Key Pay, can they still receive money?
Yes, money can be received by any recipient whether or not their financial institution offers Key Pay.