Keybank is very disappointing and can be described as the worst bank experience I have ever had. I went in thinking I will open a checking account because of the free ipod promotion. They said it is simple and I had to do is fulfill three things.. get a student credit card from them, debit card, and online bill-pay. Everything went smooth until the credit card was declined. Of course, I would not have a high credit score if any at all because like many students, I am just starting up my credit history, and thus goes with the name student card. They said as a student, you should have at least six months of previous credit history in order to get this card and the free ipod. There was the catch, as always, a hidden detail never mentioned. As a result, Keybank would not fulfill their free ipod part of the bargain for opening up an account. Hours spent trying to figure this out with branch managers and phone calls to numerous 1800s and 1888s gave me nothing but sorry, I dont know what to do and heres another number. can i transfer you. Their promotional deal was definately a marketing campaign to lure people into their, albeit, sucky bank. But lucky for them, I will never be banking with them again and will give no recommendations to others. Keybank, learn how to do banking and gain customers, not push them away for life