MONEY: A new internet bank, www.x.com, has opened and is offering a free $20. to anyone who opens an account. There is no min balance, no monthly fees, reimburse up to $6 a month in ATM fees, fee initial checks and free Visa Checkcard, and free transfers.

MILES: You can fund the account 2 times a year with up to $500 from a credit card and pick up some miles along the way, you dont enter your pin number, so this will be a regular charge not cash advance.

You also get $10 for anyone you refer who opens an account (you still get the full $20). So if you feel generous, use my reference, [email protected]

Thanks,

Tummyg