New research shows HR teams want simpler administration, stronger support and better tools to help employees use HSAs and other spending accounts with confidence

ATLANTA, Aug. 5, 2026 /PRNewswire/ — InComm Benefits, a division of global payments technology provider InComm Payments, today released new research revealing a clear gap between what employees need from spending accounts, such as Health Savings Accounts (HSAs), and the support Human Resources (HR) teams receive from providers to deliver a positive employee experience. Based on a survey of more than 300 HR professionals*, the findings show that employee experience has become the primary factor driving how HR leaders evaluate spending account providers.

Key findings include:

73% of HR professionals said “employee feedback” is the top factor they consider when reevaluating spending account providers.

Employee experience was the No. 1 frustration HR professionals cited with spending account providers.

Nearly 6 in 10 HR professionals said they encounter concerns or challenges from employees regarding their spending accounts, with common questions focused on eligible purchases, claims submission, account usage, deadlines and rollover rules.

55% of respondents cited more flexible benefit options as an opportunity to improve the employee experience, while 52% cited simplified education and 52% cited better technology.

55% of HR professionals expressed enthusiasm about AI tools in their department, and 57% said they already use AI in education or training related to benefits administration.

“Employees are not necessarily disengaged from their benefits. Many are simply unsure how to use them,” said Dave Etling, SVP and GM of InComm Benefits. “When employees need help understanding eligibility, claims or reimbursement rules, HR often becomes the default support channel. Spending account providers have an opportunity to simplify the experience, reduce administrative burden and help employees feel more confident using their benefits.”

The research also shows that HR teams are managing broad responsibilities beyond benefits, including recruitment, employee communications, payroll, insurance offerings and compliance. As a result, organizations are looking for spending account providers that can deliver more than account administration, including responsive support, dedicated account management, intuitive technology and stronger employee education.

InComm Benefits helps organizations simplify and modernize the spending account experience through tools and support designed to reduce confusion, improve access and ease administrative burdens. The company’s platform includes Automated Purchase Sorting technology, a simplified member experience, digital education resources, faster access to funds and reimbursements, innovations such as the HSA Backup Account and 2% Cash Back HSA**, and a designated account manager.

The full report, entitled “The Spending Account Experience Gap,” explores how HR leaders are approaching spending account administration, where providers are falling short and how organizations can improve employee satisfaction, engagement and utilization. View the report by visiting www.incomm.com/benefits/2026-hsa-employee-research.

*Source: InComm Benefits 2026 HR Leaders Survey. Results based on over 300 HR professionals managing HSAs/Spending Accounts in April 2026.

**InComm is a financial technology company, not a bank. Banking services for HSA, FSA and HRA accounts are provided by Coastal Community Bank, Member FDIC. 

About InComm Benefits
InComm Benefits is the future of employee benefits with automated and intuitive spending accounts, including HSA, FSA, Dependent Care, Lifestyle and more. Simplify the user experience by providing automatic purchase recognition and receipt tracking. Employees can more easily take advantage of triple-tax savings using one card. Employers benefit from higher adoption rates, boosted employee satisfaction and savings using cutting-edge solutions. Learn more at www.InComm.com/Benefits.

About InComm Payments
InComm Payments is an innovative global payments technology provider. Leveraging dynamic technology and proven expertise, InComm Payments delivers enhanced end-to-end payment platforms and emerging financial technology solutions through a single integration, helping businesses grow across a wide range of industries including retail, healthcare, tolling & transit, incentives, mobile payments, digital currencies and financial services. By enabling omnichannel connections and alternative payment options to an ever-expanding consumer base in an increasingly digital ecosystem, InComm Payments creates seamless and valuable commerce experiences across the globe. With three decades of experience, over 525,000 points of retail and online distribution, 412 global patents and a presence in more than 40 countries, InComm Payments leads the payments industry from its headquarters in Atlanta, Ga. Learn more at www.InCommPayments.com.

‍Media Contacts 

Anthony Popiel 
Communications Manager 
InComm Payments 
apopiel@incomm.com 

Brandon Davis
Communications Manager
InComm Payments
bdavis@incomm.com 

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SOURCE InComm Payments

The article explains how planning, communication, and consistent patrol practices help protect commercial and residential properties.

ROCHESTER, N.Y., Aug. 5, 2026 /PRNewswire/ — What helps a property owner understand what makes patrol services dependable and consistent across different types of Rochester properties? This question is answered in a HelloNation article featuring insights from Security Expert Corey Wild of Armor Security and Protection Inc. in Rochester, NY. The article explains how timing, route planning, documentation, communication, supervision, and adaptability shape the quality of patrol coverage and help property owners receive reliable protection.

The article begins by noting that strong patrol services rely on structure and consistency. They provide visibility without requiring a full-time guard to remain on-site. When these services operate with clear expectations and steady routines, they help deter unwanted activity and monitor changing conditions. Rochester properties often experience shifts based on weather, seasonal events, nearby businesses, and activity patterns. Effective patrol companies adjust their approach to match these real-world conditions, ensuring that coverage remains useful throughout the year.

According to the article, timing is the first key factor. Patrol visits must reflect the rhythms of the property rather than a rigid schedule. A site with late-night concerns needs attention during those hours. A business with early morning deliveries may need patrols before staff arrive. Rochester neighborhoods follow patterns shaped by nearby schools, entertainment areas, traffic flow, and community activity. Effective patrol services shape their timing around these patterns so that officers arrive when problems are more likely to occur instead of after issues have already developed.

Route planning is another central element. The article explains that a well-planned route includes entrances, equipment yards, loading zones, parking lots, gathering spaces, and any area where visibility changes. Patrol officers need to understand how these locations shift during different hours. They should know which areas become dark in the evening, which corners attract unwanted foot traffic, and which sections require multiple checks. When route planning is structured but adaptable, it prevents patterns from becoming predictable while still covering the areas that matter most.

The article highlights documentation as a critical part of effective patrol services. Officers complete detailed reports after each visit, noting what they observed, what checks they performed, and whether any conditions need follow-up. These records help property owners understand what is happening on their site. Weather, lighting, and seasonal changes affect what officers see, especially across the wide range of Rochester properties. Consistent documentation helps owners recognize trends and supports long-term planning. Reports also become useful references when incidents require review or investigation.

Communication strengthens every stage of the patrol process. The article notes that officers must stay in steady contact with dispatch while dispatch keeps property managers informed when important issues arise. If a gate is left open, if an alarm activates, or if something looks unusual, communication determines how quickly the problem is addressed. Clear communication helps prevent small concerns from escalating. Strong patrol companies encourage officers to report conditions promptly and keep supervisors updated throughout the shift.

Presence is another important element of effective patrol services. The article explains that patrol officers do more than drive through a site. They exit their vehicles, walk key areas, and check entrances, windows, and equipment. Their presence sends a message that the property is monitored by trained personnel. This visibility helps deter unwanted behavior in locations that experience trespassing, theft, or repeated concerns. Rochester properties, such as construction sites, vacant lots, and outdoor storage areas, often see improvements once patrol presence becomes consistent.

Adaptability also plays an important role. Patrol officers must adjust to new conditions while maintaining structure. If lighting fails, if construction expands, or if a new tenant brings increased foot traffic, the patrol route should change. Rochester properties often shift from season to season, and patterns can develop quickly. Patrol companies that train officers to recognize these shifts can adjust coverage before problems grow. This adaptability keeps patrol services aligned with the current needs of the property.

Supervision helps maintain quality and consistency across all visits. The article highlights that field supervisors review reports, check on officer performance, and ensure that expectations are followed. They address challenges that officers encounter during their shifts and reinforce the standards that define strong service. Without supervision, quality can vary between officers. With proper supervision, patrol services remain predictable and professional regardless of who is assigned to the route.

The article concludes that effective patrol services combine timing, route planning, documentation, communication, supervision, and adaptability. When these elements work together, property owners receive coverage that supports awareness, deters unwanted activity, and adapts to changes across Rochester properties. Patrols become more than quick checks. They become a complete system that observes patterns, responds to concerns, and maintains steady visibility.

What Makes Patrol Services Effective features insights from Corey Wild, Security Expert of Rochester, NY, in HelloNation.

About HelloNation

HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

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SOURCE HelloNation

Milestone marks three years of rewarding client loyalty through industry-leading cash bonuses and transparent banking tools

CLEVELAND, Aug. 5, 2026 /PRNewswire/ — KeyBank (NYSE: KEY) today marks the third anniversary of Key Select Checking®, the interest-bearing checking account designed to reward clients for the direct deposits they make to their account. Since its launch three years ago, KeyBank has paid out nearly $7 million in annual cash bonuses to qualifying Key Select Checking clients.

“Three years ago, we set out to build a checking account that rewards clients for banking with Key,” said Josh Miller, Head of Consumer Acquisition Marketing & Product.  “Today’s milestone is a testament to the trust our clients have placed in us and to our commitment in making their financial lives simpler and more rewarding.”

A Checking Account Built Around the Client

Key Select Checking was built on a straightforward premise: clients who maintain their banking relationship with KeyBank should be rewarded for it. The account is interest-bearing, meaning balances earn a variable interest rate that is compounded daily, in addition to the annual $100 cash bonus¹.

The account can be opened online in approximately five minutes and comes with a suite of features designed for everyday banking, including:

Fee-free ATM access² at more than 40,000 KeyBank and Allpoint® ATMs nationwideATM fee rebates³ of up to $6 per statement cycle for cash withdrawals from out-of-network ATMsEarly Pay⁴: qualifying clients with direct deposit may receive their pay up to two days earlyKey Coverage Zone®⁵ — no overdraft fee from KeyBank if an account is overdrawn by $20 or less at the end of the dayNo-cost check options, with customized and designer options available for a fee

The $25 monthly maintenance fee is waived for the first three statement cycles⁶ for all new accounts, giving clients a seamless start. After that, the fee is waived when clients maintain $3,000 per statement cycle in eligible direct deposits or carry at least $15,000 in combined KeyBank account balances.

Earning the $100 Annual Cash Bonus¹

The centerpiece of Key Select Checking is a $100 annual cash bonus available to clients who meet straightforward direct deposit requirements. Here is how it works:

After opening an account, clients enter an Evaluation Period, a 12-month-calendar window, that begins on the first day of the second full month following account opening.Clients must deposit at least $60,000 in eligible direct deposits over the course of that evaluation period (12 months) to be eligible for the $100 annual bonusAt least one eligible direct deposit must be received during the final two calendar months of the evaluation period.

Clients who meet these requirements earn the $100 cash bonus, year after year. For clients who regularly direct deposit their paycheck or other recurring income, the requirements are straightforward to achieve, and the bonus resets each year, making Key Select Checking a genuinely recurring financial reward.

The Bonus Tracker: Putting Clients in Control

Last summer, KeyBank launched the Key Select Checking Bonus Tracker, a feature available through the KeyBank mobile app and online banking that gives clients real-time visibility into their progress toward the annual $100 cash bonus.

The Bonus Tracker displays the total amount of eligible direct deposits made to date, as well as the start and end dates of the client’s current evaluation period — so clients can check their bonus status at any time, without having to call or visit a branch.

“Transparency matters to our clients,” said Miller. “The Bonus Tracker is a natural extension of our commitment to putting clients in control of their money.  By allowing clients to understand their progress and see where they stand in real time; they can stay informed and potentially make smarter decisions with regard to their finances.”

In its first year, the Bonus Tracker has become one of the most-used features within the Key Select Checking experience, reflecting client demand for clear, actionable financial information at their fingertips.

Three Years of Growing Client Value

Since launch, Key Select Checking has achieved significant milestones that reflect growing client adoption and satisfaction:

Nearly $7 million in total annual bonuses paid out to qualifying clientsConsistent year-over-year account growth driven by client referrals and KeyBank’s expanding digital banking presence

These figures underscore KeyBank’s broader mission to help clients achieve financial wellness through products that deliver real, tangible value — not just attractive introductory offers.

ABOUT KEYCORP
KeyCorp’s roots trace back more than 200 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation’s largest bank-based financial services companies, with assets of approximately $191 billion at June 30, 2026. 

Key provides deposit, lending, cash management, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of approximately 950 branches and approximately 1,100 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. For more information, visit https://www.key.com/. KeyBank Member FDIC. 

CFMA 260727-4780178

1 Key Select Checking Account is an interest-bearing account. Annual Percentage Yields (APY) are accurate as of July 24, 2026, for zip code 44114. 0.05% APY applies to balances of $0.00-$2,499.99, 0.05% APY on balances $2,500-$4,999.99, 0.05% APY on balances $5,000-$9,999.99, 0.05% APY on balances $10,000-$24,999.99, 0.05% APY on balances $25,000-$49,999.99, 0.05% APY on balances $50,000-$99,999.99, 0.05% APY on balances $100,000-$249,999.99, 0.05% APY on balances $250,000-$499,999.99, 0.05% APY on balances $500,000-$999,999.99, 0.05% APY on balances $1,000,000 and above. Key Select Checking Account is a variable rate account, rates may vary. Rates and terms may change at the bank’s discretion. Minimum balance to open this account is $50. Fees may reduce earnings.

EVALUATION PERIOD DEFINITIONS

New Key Select Checking Account: Your account will be reviewed for eligible deposits during the 12 calendar months following the first calendar day of the second full month after account opening.

$100 BONUS

Direct Deposits: To qualify for the $100 bonus, ALL of the following three requirements must be met. Eligible direct deposits:Must total at least $60,000 during the Evaluation Period.Are electronic automated clearing house (ACH) deposits. Examples of eligible direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, ATM, or the KeyBank mobile app are ineligible direct deposits. At least one eligible direct deposit transaction (in any amount) must be received within the final two calendar months at the end of the Evaluation Period.

Your account will be reviewed at the end of each Evaluation Period for cash bonus eligibility. Eligibility is based on cumulative direct deposits in the preceding Evaluation Period. Your $100 bonus will be reported to the IRS on Form 1099-INT. Your $100 bonus will be deposited into your checking account within 30 calendar days after the Evaluation Period has expired. If your account is converted into an account type other than a Key Select Checking Account during the Evaluation Period, progress toward the cash bonus is forfeited. Accounts that are closed or in a legally dormant status (legally dormant status is determined by applicable state law) at the end of the Evaluation Period or at the time of the bonus payout are not eligible for the bonus payment.

2 There is no surcharge at KeyBank ATMs. There is also no surcharge at Allpoint ATMs when you use a KeyBank debit card linked to an eligible account. Ineligible accounts include Hassle‑Free Account®, savings accounts, and business accounts.

3 There is no KeyBank fee if you use another bank’s ATM. However, a fee may be charged by the bank that owns the ATM. This fee, as well as any additional non-KeyBank charges or surcharges, will be included with the total withdrawal transaction amount. Your account will receive a refund of other bank’s ATM cash withdrawal surcharges when the withdrawals are made with any KeyBank Debit Mastercard®. The surcharge refund will be credited to your account at statement cycle and will not exceed a total refund of $6.00 per statement cycle. If you close your account or change your account type before the end of the statement cycle, other bank’s ATM cash withdrawal surcharges will not be reimbursed.

4 Early Pay is a service included with your KeyBank consumer deposit account in which KeyBank makes your eligible direct deposits available up to two business days early. Eligible direct deposits include certain transactions such as payroll, government benefits, or similar types of payments. The Early Pay service is dependent on when KeyBank receives information from the payer that the funds are on the way, this could vary, and you may not always receive your funds early. You cannot opt out of Early Pay.

5 Overdraft Item Charges are $20 per item. Charges apply to transactions created by check, in-person withdrawal, recurring debit card transactions, or other electronic means. Overdraft charges will not be imposed on ATM withdrawals or one-time debit card items unless the customer has opted in authorizing Key to pay these items into overdraft and assess a charge. You agree to pay us the full amount of any overdraft on your Account immediately upon demand, together with any additional charges we assess. KeyBank’s approval of overdrafts is a discretionary courtesy. For Consumer accounts: No charges will be assessed when the account is overdrawn twenty ($20) dollars or less at the end of the day. Overdraft charges are assessed on up to three (3) items per day, with the maximum not to exceed $60 per day per account. Overdraft charges may not post on the same day as the transaction which triggers the fee(s). There is a cap of 20 assessed overdraft charges within a monthly statement period. If at the end of the day, your account’s overdrawn available balance is more than $20 for 5 consecutive business days, an additional $20 Recurring Overdraft Service Charge will be assessed. See your accounts Personal Checking Account Fees and Disclosures for additional information and Personal Savings Overdraft Protection Agreement for further information on linking savings account for protection.

6 $25 monthly maintenance fee (waived for the first 3 months). After the three (3) month grace period the monthly maintenance fee can be avoided if either of the requirements are met in a statement cycle:

The combined balance in any combination of KeyBank checking, savings, certificates of deposit, retirement deposit, and Key Investment Services LLC (KIS) accounts was $15,000 or more during the statement cycle.

OR

You have eligible direct deposits totaling at least $3,000 during each statement cycle.

Investment products are offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor.

Insurance products are offered through KeyCorp Insurance Agency USA, Inc. (KIA). KIS and KIA are non-bank affiliates of KeyBank National Association (KeyBank).

Non-Deposit products are:

NOT FDIC INSURED•NOT BANK GUARANTEED•MAY LOSE VALUE•NOT A DEPOSIT•NOT INSURED BY ANY FEDERAL OR STATE GOVERNMENT AGENCY

KIS, KIA and KeyBank are separate entities, and when you buy or sell securities and insurance products you are doing business with KIS and/or KIA, and not KeyBank.

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SOURCE KeyBank