KeyBank Routing Number

041001039
ACH & Wire

Routing Number 041001039 Details

Routing Number 041001039
Bank KeyBank
State / Region Ohio
Type ACH & Wire

Is 041001039 Valid?

Yes — 041001039 is a valid ABA routing number assigned to KeyBank for Ohio. It is used for both ACH and wire transfers.

What Does 041001039 Mean?

Every ABA routing number is a 9-digit code that identifies both the Federal Reserve district and the specific financial institution. Here's how 041001039 breaks down:

DigitsValueMeaning
1–40410Federal Reserve routing symbol (Cleveland district)
5–80103KeyBank institution identifier
99Check digit (validates the number)

The first two digits (04) indicate the Federal Reserve Bank that serves this institution — in this case, the Federal Reserve Bank of Cleveland. The check digit is calculated using a weighted algorithm to prevent transcription errors.

ACH vs. Wire Transfers: When to Use 041001039

This routing number works for both ACH and wire transfers at KeyBank:

ACH Transfers

  • Direct deposit (payroll)
  • Bill payments
  • Tax refunds
  • Recurring transfers

Typically 1–3 business days. Free or low-cost.

Wire Transfers

  • Large one-time payments
  • Real estate closings
  • International transfers
  • Time-sensitive payments

Same-day settlement. Usually $15–$30 fee.

How to Find Your KeyBank Routing Number

If you need to verify that 041001039 is the correct routing number for your account, you can check in several places:

  1. Your checkbook — The routing number is the first 9 digits at the bottom-left of any personal check, before your account number.
  2. Online banking — Log in to KeyBank and look under account details or settings.
  3. Mobile app — Most banking apps show the routing number on the account summary screen.
  4. Customer service — Call KeyBank to confirm over the phone.

Your routing number is based on the state where you opened your account, not your current address. If you opened your KeyBank account in Ohio, 041001039 is likely the correct number.

Other KeyBank Routing Numbers

Routing Number State / Region Type
021300077 New York ACH
307070267 Colorado, Oregon, Washington, Idaho ACH

Frequently Asked Questions

Yes, 041001039 is the ACH & Wire routing number for KeyBank in Ohio.

Routing number 041001039 belongs to KeyBank. It is used for Ohio.

This routing number can be used for both ACH transfers (direct deposit, bill pay) and domestic wire transfers.

Yes, you can use 041001039 to set up direct deposit for your KeyBank account in Ohio. You'll also need your account number, which you can find in your online banking portal or on a check.

A routing number like 041001039 identifies the bank and branch (KeyBank, Ohio), while your account number identifies your specific account at that bank. Both are needed for transfers. On a check, the routing number is the first 9 digits at the bottom left, followed by your account number.

More KeyBank Resources

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