There are many ways to access the money from a paper stimulus check. KeyBank clients can deposit their paper stimulus checks with mobile check deposit in the KeyBank mobile app, at any convenient KeyBank ATM, branch drive-thru, or in a branch by appointment. Because ATMs and online and mobile banking cannot tell you’re depositing a stimulus check, using those methods when you have a negative balance in your account may result in you not receiving the full value of your check. If you have a negative balance in your KeyBank account, a teller at a KeyBank branch can cash your check so you receive the full value. Non-KeyBank clients can cash their stimulus checks at KeyBank for no fee (bring two forms of identification).