Express Free Checking
from Key Bank

Free? Not really. This account charges fees for any withdrawl at a non-Key ATM ($2), has some type of complicated over-limit fee structure that is specifically designed to trick their own customers into paying ever-increasing fees (there really can be no other explanation for the absurd pending charges policies...why not just take the money out of the account when you withdraw it from an ATM? M…ost other banks would just do that...not Key. They wait for a few days, during which time they are anticipating a certain percentage of their customers will manage to withdraw more money (perhaps foolishly believing the "available balance" number on their ATM reciept, which is never, ever the actual available balance.) Basically, if you need a free checking account, you can't afford this one--you won't be able to keep the minimum balance required to avoid the escalating fees (one mistake could cost you $300 to $400 in fees...no, really...you can't believe all the little ways they have to do creative math...so, so slimy, but still legal...although there really should be laws..)
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This is just a basic checking account from Key. The "express" aspect simply refers to the fact that you're able to utilize their online banking for free. Some people may take it for granted these days as it's pretty common by now, but this cuts down on transaction time and can actually save you a great deal of hardship. Paying your bills with automatic bill pay makes paying bills easy, no work …on your part, and best of all you get the peace of mind at knowing that your bills are paid in full and on time so you won't be liable for any fees or anything like that.
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