021000021
View detailsCleveland
KeyBank's primary routing number is 041001039. The 0410 prefix ties it to the Federal Reserve Bank of Cleveland — appropriate for a bank that has called Cleveland home since 1849, when it was founded as the Commercial Bank of Albany before merging with Society National Bank and eventually becoming KeyCorp. Cleveland's role as an industrial and financial hub in the 19th and 20th centuries made it a natural headquarters for a bank that grew alongside the steel mills, manufacturing plants, and railroads of the Midwest.
Today KeyBank operates roughly 1,000 branches across 15 states, concentrated in the Rust Belt corridor — Ohio, New York, Pennsylvania, Indiana, Michigan — with additional presence in the Pacific Northwest inherited from its 1994 merger with Puget Sound Bancorp.
Routing numbers by state
KeyBank has consolidated most accounts under 041001039, but some state-specific numbers persist:
- Alaska: 125200879
- Idaho: 124000737
- Maine: 011200608
- New York: 021300077 (former First Niagara accounts) or 041001039
- Oregon: 123002011
- Utah: 124000737
- Washington: 125000574
If you're unsure which applies to your account, KeyBank's online banking and mobile app both display the routing number under account details. The number on your checks is always authoritative for your specific account.
The First Niagara acquisition
In 2016, KeyBank completed its $4.1 billion acquisition of First Niagara Financial Group, a Buffalo-based bank with over 390 branches across New York, Pennsylvania, Connecticut, and Massachusetts. Former First Niagara customers were migrated to KeyBank systems and assigned KeyBank routing numbers. The primary First Niagara routing number (021300077) was retired after the conversion period. If you were a First Niagara customer and haven't updated your direct deposit or autopay since 2017, your payments may still be routing through a legacy redirect — update to 041001039 to avoid future disruption.
Community banking in a consolidating industry
KeyBank has positioned itself as a community-focused alternative to the Big Four. Its Key4Women program has provided over $38 billion in lending to women-owned businesses since 2005, and its Community Development Banking group is one of the largest affordable housing lenders in the country. For business clients, KeyBank offers treasury management, commercial lending, and merchant services through its branch network. Business accounts use the same routing numbers as personal accounts, and KeyBank's commercial ACH platform supports same-day ACH origination for qualifying clients.
A business account built for the modern Midwest and beyond
KeyBank's strength is local presence and relationship banking. For businesses that need digital-first tools — instant virtual cards, real-time spend controls, automated receipt matching, and accounting integrations — Slash fills the gap that branch-based banks leave open. Clear routing details, straightforward account setup, and the operational controls growing businesses actually need to manage cash flow and team spending.
