I think Georgia Peach has the right idea. You can earn up to 50,000 American Airlines miles by opening up an account with Schwab. I have several accounts with Schwab, they have very competitive money market rates, lots of no load mutual funds, and offer on line trading. Their customer service is also as good as a full service broker plus you can reach them by phone 24 hours a day. You should at least give them a call before you make your decision. Good luck.