For those wanting instant gratification .... I thought I'd mention this since nobody else has mentioned it... I just signed up for MPM throug Key Bank's website (30 day trial for $1, $12.95/mo thereafter)  and the response said, very disappointingly, they'll process the enrollment within TWO WEEKS. I was expecting to be able to log in right away. I'll call them in the morning and get an update on the ETA.