We have been customers of Key Bank since they bought out our bank a number of years ago. We have a checking account with no monthly fee and no minimum balance. That is about the only good thing I can say about the service.
We are in the process of checking on other alternatives for our checking needs, due to the fact, we have grown increasingly dissatisfied with the banks customer service and the fees are extremely high. If we happen to overdraft, the fee is $38 per item. The only way to avoid this fee is to have overdraft protection, which involves having a credit card that the check will be paid from. This doesn't mean you are getting overdraft protection for free. You still have to pay interest charges on the credit card when it is used.
We have had instances where we deposited a check that cleared the next day along with other checks we had written the day before and some how the checks we write always seem to clear before the deposit check. This causes the checks to overdraft. So basically it depends on what order the bank records the transactions, and of course, it always seems to be in the order in which the bank profits by an overdraft fee.
We have never known this bank to be a customer friendly bank, and it seems to be getting worse. I would not recommend them to anyone.