I'll join the rest of the group, I love Compubank. The miles are good (but don't try to redeem them for Delta miles, Delta won't accept them) and they are one of the very few online banks that let you initiate a transfer directly from your regular bank into them online. They say it takes three business days to clear, but if I did one right now the money would be available tomorrow afternoon. It's by far the easiest way to make deposits (not counting direct deposit).

I pretty much use them for the check card, and have most of my bills being debited directly to the Visa Check Card (not the checking account, the money comes out of the same pot, but I don't get the clickrewards that way). I don't use them for cash transactions, and haven't ever written a check against them, but that's not why I got the account. You do get clickrewards for Paypal transactions.

If you sign up they will give you a $20 bonus, if you sign up as an affiliate before you open your account and wait until they approve your affiliate status then you can refer yourself to open the account and get another $40. Have the wife and kids open an account through you and they each get $20, and you get another $40 for each one. Can't beat that deal.

I'm using the referral bonuses as a fundraiser for several non profits, if one of the members opens an account through my link I donate the $40 (and they are guilted into donating the extra $20) to the agency. It's a great way to get $60 per person and not have it cost anything.

The only problem, and a minor one, is the card isn't accepted at two of my local grocery stores, it just won't scan, everywhere else it's been great.