I saw a Citibank Checking account offer that says: Open a regular checking account with a minimum balance of $1,500 and make 2 online payments, will get $100. The offer looked good since I've been thinking about the CitiAAdvantage Debit card which can earn AA miles.

However, I learned from the customer service rep. that even though the ad says "regular checking account", this offer requires that I open an account that has a minimum balance of $6,000 to avoid service charge. Now it doesn't look as good a deal. Does anyone know anything about this offer, or have experience with Citi's checking accounts?