wow after hearing all these stories i dont feel alone here i HATE KEY BANKi have been there for about 4 yrs and just closed it to go to national city bank who i love i waould always be charged around $96.oo to up to yess $300 just for being negitive 5 cents in my account and they dont bother to tell you hey can you come make this positive so that your no5 charged oh no they will send you telling you how negitive you are tho!!! so i dont understand how on my debit card and my online banking ok when i use my debit card when i check my account online it shows the money taken out of my account so i know what my balance is but somehow i always end up negitive and i keep track of my transactions. when i went to the bank to bitch about it the lady threw a transaction booklet in my lap and said i suggest you keep track i cant help you "OH NO SHE DIDNT" i threw it right back at he and told her to f- off for the whole bank to hear i was pissed that bank needs to be closed down they are shit and i will never go there agagin good luck to all the other people who use it ........................Kelly .