I don't have my own money in SunTrust, but I do business there. While visiting yesterday, a promotional brochure for the AirTran ticket was put in my hands.

Read the fine print...you're putting $10K into an account that's yielding an insulting 0.45% interest, and you have to tie your money up for 90 days. Then it could be another three months before you actually get your credits. So in six months, you'll have $22.50 in cash interest on your $10K plus your flight credits.

Or, you could put the same $10K into a competitive money market account paying 5.25%. In six months, you'll have $262.50 in interest--most likely enough cash to buy you a less-restrictive ticket on AirTran or some other airline that goes to an AirTran destination. Or to do whatever else you feel like doing with the cash if you don't feel like traveling.