I'm really starting to resent all the work and fees for the measly 2k per month. I've got 2x ST DL debits and so charge 4k per month on each to get 2k per month DL SM on two accounts (spouse and self). It's running about $3.80 (WM BP) per 2k points plus the hassle. I'd like to switch over to MO but folks at my other (non ST) bank always raise an eyebrow, so I've stopped depositing MOs there. I'm seriously considering canceling the DL debits when AF is due in April. Just no fun anymore b/c payout so low. Of course, this is exactly what ST wants. Any suggestions re MO deposits would be appreciated. I can get those at Kroger for $2 per 2k points ($4k in MOs).