I opened a NETBANK account for the Marriott points.

The offer I responded to required $1000 in a checking account for one month for 7500 points. $2500 in a money market account for one month for 6500 points. 3 online bill payments in one month for another 1000 points.

My first complaint is Netbank only allowed $3000 for the initial deposit. But to satisfy the promotion you needed $3500 plus whatever you needed to pay for the 3 bill payments.

My second complaint is Even though NETBANK took the funds from my checking account it was not credited to my account for 4 business days. In my opinion Netbank wants to keep the interest during the float times. Real banks can do ACH transfers faster.

My third complaint is it took a couple of days for me to get my external account acitvated to be able to add funds after my initial deposit. And the 4 busniess delay is there MO.

My last and most important complaint is Netbank still hasn't posted my Marriottt points and I have fulfilled the requirements in the offer.

I rate NETBANK .