In the holiday world of competing financial institutions, there’s no present like the present.

By Colin W. Sargent

The storage compartment between the two front seats of my Toyota Highlander holds a promotional brochure sent to me by KeyBank: “Your checking account should help get you where you want to be.” Then the kicker, a scarlet rectangle with white type: “Get $400 when you open a qualifying checking account at KeyBank with the minimum opening deposit, and make a single deposit of $1,000 or more within 60 days after account opening. Your gift will be deposited within 60 days of meeting requirements, if your account is still open and not overdrawn.”

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