This account is a no-brainer, even for those who don't have $75k to stash in the checking/investment account.
Just think about it.... You have $10,000 in the account to invest. You get free checks, unlimited free trades (to profit from in the stock market), waived overdrafts, free wire transfers, no FTF's on your debit card, zero non-Chase ATM fees, unlimited ATM reimbursements, etc., all for $25 a month.
My current direct deposit is to Charles Schwab, but my overall profit gain is better with the Sapphire Checking account - especially because I trade frequently and keep stocks short term to profit.