To all who try out the Net Bank- My Points promotion be wary!! When I went in to check my new account I had been charged twice for my $50 deposit. I called customer service to try to get this straightened out. We will see how this goes. Also, look at the fees page. You have to keep the account open for 6mos or the charge for early closure is $25. In addition, if their is no activity there are fees associated with this as well. Good luck.