Just for info, I opened a personal, basic account with a $25 annual fee at the beginning of January. I got the 22,500 miles pretty quickly. The last 2,500 posted 6 weeks later. The $25 annual fee was charged at the end of the 2nd month. I have set up a $200 direct debit from my company for every month, so far have not had any monthly fees (the direct debit is supposed to remove the need for 5 debit card transactions every month if I remember correctly).

At the end of 6 months when it is okay to cancel the account, I will do that, and hope there is another offer and just open it at another nearby branch saying it was more convenient, as if they would care (they love opening accounts).