This might be a good time to consider a BankDirect account.

I still have referrals if anyone wants one (each of us get an extra 1000 AA miles by using a referral, in addition to all the other bonuses).

(You can do a $500 visa/mc purchase for initial funding, plus 1k miles for opening the account, 1k for referral, 5k for direct deposit, 2k for bill pay for a year. That's 9500 miles plus 100 miles per month per $1000 balance.)