We wont know until Keybank opens up tomorrow morning and someone speaks to an Elan rep. Someone mentioned that all of Elan's apps required a pg. Remember, not all of Citi's apps are EIN based and most require a pg as well. I saw on Keybanks page that the last card listed at the bottom is a "Mastercard Business Credit Card" which is my opinion sounds like there may still be life in an EIN based cash card. The other 3 they apparently offer look 100% like they may require a pg. We shall see tomorrow folks.......