I don't believe the deal is SPAM. I have seen others post special offers here before.

Because this deal is ONLY available for people who participate in the refer-a-friend program offer by wingspanbank.com, I am not provided a link for you to sign up without being referred by me. or someone else.

I apologiz for not including the complete information but in no way am I trying to mislead anyone.The link to secret offers website has been corrected.

It's ok to be suspicious about something you haven't heard of. However, you should try to investigate a little more before posting some inaccurate information.

The quote you got from wingspanbank's website has been taken out of context! Wingspanbank.com's accounts are FDIC insured. You see the logo at the bottom of the page, don't you? The quote you got regarding investment risk is for customers who also uses wingspanbank's brokerage services.

Also, Wingspanbank.com is not some small local bank. It is a nation-wide online bank. as noted at the bottom of the offer page "WingspanBank.com, a division of First USA Bank, N.A.". First USA is a major credit card company in United States. Wingspanbank is one of the better online banks with great reviews. Check out gomez.com, and bankrate.com.

There is NOTHING to be suspicious about. If you are not comfortable with online banks, online brokerages, that's fine. It's up to you. However, it doesn't hurt to learn more rather than be just suspicious.

I found this special offer in another message board, and was referred by the person who posted this offer. I signed up 7 days ago. I received the ATM card pin number, and some deposit slips. I was told by the customer service representatives, that 3 days after I mail in $100 to my wingspanbank checking account, I will receive the $100 bonus. However, it seems that I received the $100 even before I fund my account with $100. I can withdrawal the money from my account right away using the ATM card, which by the way allow you to use any ATM and get $5 ATM rebate each month to cover the ATM fees.

If you go over to the secret offers website, you will find another special offer from CITI FI, also an online bank, owned by CitiBank. You can either get $100 cash or a palm pilot IIIe for opening a checking or a savings account. I got the palm IIIe they sent me, and sold on ebay for $200 during the palm shortage a month ago.

There are a few great website to learn about these special deals in addition to the Secret offers website. Here I will a few of the best.
1) www.anandtech.com, then click on forum, then select hot deals board. Special offers are being posted there everyday! Some amazing offers only last couple of hours. You can also read about others experiences with various offers, so you can check out whether an offer is real or not.
2) www.techbargains.com, daily updates on the greatest deals found on the net. Get some really good deals on laptops, palmpilots..etc!
3) www.fatwallet.com, another site worth visiting.

I hope after you have visited the above sites, you will find this deal is truely one great offer too good to pass up!

your comments and criticisms are welcomed.