We moved to Florida last year, but my husband's Key Bank checking account remains in NY, because he receives his pensions and social security as well as pays bills through that account. Working on our estate plan, one step was to make our bank accounts POD, payable upon death, which is a simple beneficiary designation. There are no branches where we live, and we called, spoke to supervisors, and engaged in online chat, and they said we had to go to a branch or no dice, not even with copies of driver's licenses and notarization. Called our branch, left multiple messages, no one calls back. Discovered a Key Bank private banking office near us, and the 800-KEY2YOU person called them to ask if they'd accept this at their office, which they might have suggested initially, but we had to figure it out. We sat down with an investment banker who called the Halfmoon branch, and it was still exceedingly difficult and took days. In this day and age, there is no business that can't be conducted remotely, with notaries, copies of licenses, social security numbers, and more, even if it has to be original copies through the mail. Someone needs to explain this to Key Bank, which has no solution for anyone who moved and are not in proximity to a branch. By the way, apparently this issue is specific to Key in New York, not any other state. AVOID KEY BANK. read more