I took advantage of the promo with Continental (21000 for checking) and needed direct deposit, I don't have that option w/ my business but I do a 5.00 transfer into my Chase checking account every week from my ING Savings - it worked and has worked for the past year. I did get the bonus miles however it took me over a year to get them - they messed it up every single step of the way, wrong accounts, sent me the wrong bank card, had to call and "remind" them several times of what was originally offered. And ironically, I opened the account as a "trial" because I wanted to switch from Wamu to a better bank- they didn't do too good Make copies of everything - seriously.