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Key Express Free Checking is the basic banking account in NY. You must have or request a KeyBank Rewards debit card and enroll in the KeyBank Rewards point program. There is a $20 annual fee for the KeyBank Rewards Program that will be waived for the first year. Qualifying debit card transactions include signature, PayPass®, and PIN-based purchases only. 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 touch® per qualifying account. Limit one iPod touch® per individual. The value of the iPod touch® will be reported on Form 1099-INT. You will receive your iPod touch® within 90 days of meeting requirements. Offer available to individuals without an existing checking account at KeyBank as of 4/30/10. 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 10/1/10 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 10/1/10 to be eligible. The iPod touch® shipped may differ from the iPod touch® shown. Offer is subject to cancellation without notice and cannot be combined with any other offer. Other miscellaneous charges may apply. iPod® is a registered trademark of Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion.