What I would suggest is that you open the account they require, make the payments, get the $100, then switch to a "pay as you go" or "e-z checking" or some stupid name like that account.

It requires a $1500 combined balance (checking, savings, money markets, credit cards, loans) to avoid the $10/month fee.

The $6000 account is a little better in that it waives some fees for checks, ATM withdrawals, etc. The $1500 has some limits, I think you get 5 free ATM withdrawals.

Hope that helps; let me know if you have any other questions.

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