Withdrawals by online transfer and check are limited to a combined six per calendar month, three of which may be by check. ATM withdrawals are limited to $500 per day.

-Our competitive online savings rate is consistently among the top 5% of U.S. banks.* Balances of $10,000 or more earn our highest rate, unlike some banks that lower their rates when your balance gets too high.
-We don't require a large immediate deposit. We'll give you two months to try us out and build your balance – all the while earning our highest rate.

not that i don't trust u

but how do we know it's a legit number and not scammers ?

¹ Annual Percentage Yield (APY) accurate as of 8/1/2008. Terms and conditions of this offer may change at any time. Rates are variable and may change at any time before or after account opening. The minimum deposit to open an account is $1.00. The APY stated above is for account balances of $0.01 and above. Fees could reduce the earnings on this account.

² You may make an unlimited number of withdrawals or transfers from your money market account so long as they are done in person at our branch location. However, federal regulations limit your ability to make transfers from these accounts to another of your accounts with us or to third parties by preauthorized or automatic means, personal computer (including Online Banking or Bill Payment services) or telephone (including facsimile or data transmission) to six (6) per statement cycle period. If you exceed this transaction limitation on a regular basis we will close your account. The Union Federal Money Market Account does not currently include check writing capabilities.

*Free personal checking applies to Key Express Free Checking Account.(this is the basic banking account in NY) Between 7/12/08 and 8/15/08, you must open a Key Express Free Checking or a Key Advantage Checking Account and by 10/31/08 make one debit card transaction and a combination of two direct deposits or automated payments each of $100 or more to get an iPod® nano. Qualifying debit card transactions include signature, PayPass® and PIN-based purchases. Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits. Automated payments exclude Key Bill Pay, debit card automated payments, PayPal® transactions and account to account balance transfers. Limit one iPod® nano per qualifying account. Limit one iPod® nano per individual. Offer valid while supplies last. The value of the iPod® nano will be reported on Form 1099-INT. You will receive your iPod® nano within 90 days of meeting requirements. Offer available to individuals without an existing checking account at KeyBank as of 7/12/08. Offer not available to individuals that have opened a KeyBank checking account in the last 12 months. Employees of KeyBank, its affiliates and subsidiaries are not eligible for this offer. If you close your account within 180 days of account opening, you will be charged a $25 account early closure fee. Accounts overdrawn or closed as of 10/31/08 are not eligible for this offer. Accounts titled as Trust Accounts, Estate, and No Access are excluded from eligibility. You must have a U.S. mailing address on 10/31/08, to be eligible. The iPod® nano shipped may differ from the iPod® nano shown. Offer is subject to cancellation without notice, and cannot be combined with any other offer. Other miscellaneous charges may apply. iPod® nano is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion.

2 Other charges still apply.

KeyBank is Member FDIC