Frequently Asked
Questions

You can open a new account online in as little as 5 minutes, or visit any of our 120+ branch locations. You'll need a valid government-issued ID, your Social Security number, and an initial deposit. Our Essential Checking account has no minimum balance requirement.

We offer three checking tiers: Essential Checking (no monthly fee, no minimum balance), Premier Checking (earns interest with a $2,500 minimum balance), and Private Client Checking (premium rates, dedicated banker, and exclusive perks with a $25,000 minimum balance). Compare all options on our Savings & Checking page.

If your card is lost or stolen, you can instantly lock it from the Keystone mobile app under Card Controls. Then call us at 1-800-555-7233 immediately, available 24/7. We'll issue a replacement card within 3-5 business days and ensure you're not held responsible for unauthorized charges.

We offer three rewards cards: Keystone Rewards Card (2% back on dining and travel, 1% on everything else), Keystone Cashback Card (3% on groceries and gas, 1% on all purchases), and Keystone Travel Card (3x points on travel, 2x on dining, with airport lounge access). All cards come with no foreign transaction fees.

Typical mortgage approval takes 21-30 days from application to closing. Pre-approval can be obtained in as little as 3 business days. Our loan officers work to expedite the process while ensuring thorough underwriting. We also offer a digital mortgage experience that lets you track your application status in real time.

Visit keystonenational.com and click "Enroll in Online Banking." You'll need your account number and the email address on file. Once enrolled, you can access your accounts from any device, set up bill pay, transfer funds, and manage your cards. You can also download our mobile app from the App Store or Google Play.

Yes! The Keystone National Bank mobile app is available for free on iOS and Android. It features mobile check deposit, bill pay, real-time transfers, card controls, push notifications for transactions, and biometric login. Our app is rated 4.8 stars on the App Store and 4.7 on Google Play.

We use 256-bit SSL encryption, multi-factor authentication, biometric login, and AI-powered fraud monitoring that analyzes every transaction in real time. Our systems block unauthorized access attempts and alert you to suspicious activity instantly. Visit our Security Center for full details.

Immediately lock your card via the mobile app, then call our fraud hotline at 1-800-555-SAFE (available 24/7). Change your online banking password and review recent transactions. We offer zero liability protection for unauthorized transactions reported promptly. File a dispute for any fraudulent charges and we'll investigate within 10 business days.

Essential Checking has no monthly fee and no minimum balance. Premier Checking has a $15/month fee waived with a $2,500 minimum balance. Savings accounts have no monthly fee with a $100 minimum balance. There are no fees for standard ATM withdrawals at our network of 55,000 ATMs. Full fee schedules are available on our website and in branch.

Our credit cards have no foreign transaction fees. For debit card use abroad, we charge a 1% foreign transaction fee. We also offer competitive exchange rates. We recommend notifying us before international travel so we can ensure uninterrupted card access. You can set travel notifications in the mobile app or by calling us.