Instead of $175, you might be able to make another $25 with the Netbank promotion.
Here's the
$175 promo page
$75 for checking
$75 for MMA
$25 for CD (visa gift card)
But instead of the $25 CD promo, members are being offered a $50 visa cash card for opening a 1-year CD with $2K min. This $50 offer is good through March.