[terry1156]

Interesting. Have you done this?

I have a couple of questions.

1) To claim the Billpay 5000 point bonus it says that you need to keep $1500 in the account (not only the $200) to get it for free:

<i>Paying your bills from your Checking account is easy. Just enter the name and address of the company or individual you would like to make a payment to, or choose from the list of companies and addresses we provide. Enter the amount and click submit. The name and address is stored for any payment you desire to make in the future.

* Online Bill Pay is offered free of charge to customers who maintain a $1,500 checking balance.</i>

But I couldn't find the charge if the account balalnce was lower than $1500. Do you know what the cahrge would be? Since there is a 12 month requirement to get this bonus, bill pay fees could possibly wipe out a good chunk of the money.

2. Since 5,000 miles are dependant on the direct deposit for opening a savings account and 5000 for direct deposit for the checking account and you can't do both direct deposits at once, is there any problem switching the direct deposit from one to the other account after three month required period?