For those discussing whether it's worth depositing funds or not,
I created this little calculator.
You enter your tax rate, amount deposited, AA mile value rate, and interest rate you could be getting elsewhere then it tells you the monthly value of both bankdirect and the other account and where your money should be opened.
Hopefully somebody finds it semi interesting. I'm trying to learn to code at the moment so I'll make it into a proper web application if there is interest. Does anybody know how to get google docs to allow edits but not allow the changes to save?