Originally Posted by Happy

Except the small details you may not be award of, that BD will charge $12 monthly fee effective 1/1/2012 billable at the end of the month regardless of account balance.

On top of that BD has an extremely long hold on check deposit and before it is cleared as available balance, you earn nothing on the check deposit. You could work around this by deposit the check into your other bank account and hope it clears in a few business days - then ACH the amount to BD. You would still lose minimum one week time but better than BD's several weeks hold if I remember correctly.