I hate Key Bank. They do not check identification when someone is opening up new accounts. I tried to open up a new account at a different bank and I was told that I had accounts that had been opened up at Key bank that were overdrawn and couldn't get a loan until this was taken care of. Needless to say someone at Key Bank had allowed someone to use my social security number to open up an account without checking properly that the person was connected to the social security number. Needless to say its been about 5 years and I'm still bitter over the issue.