For stimulus payments that were direct deposited before April 30 we automatically forgave negative balances that were $50 or less at the beginning of the day that the stimulus payment was direct deposited. This credit will show up on your statement as “KEY CARES CREDIT." Clients will not receive a 1099 for the Key Cares Credit. If your account had a negative balance that was more than $50 on the day your stimulus payment was direct deposited and the payment was received before April 30, KeyBank automatically provided a 30-day temporary credit, so you could immediately access your full stimulus payment. This temporary credit will show up on your statement as “30-Day Temporary Overdraft Credit,” and it will be reversed after 30 days. You will receive an initial communication explaining how the temporary credit works, and you’ll be notified again before the credit is removed. If you receive a stimulus payment by direct deposit after April 30 and your account had a negative balance at the time, contact us at 1-800-KEY2YOU (539-2968) for help to receive the full value of your stimulus payment.