I wish you good luck. During the AA promo, I sent money to Schwab for a new One account. We already had one we'd had for years, so we got a new one. Subsequently, I wrote a check to pay a bill from our original account, and when I questioned Schwab about my miles, I was informed that the account must be made with "new funds", and since I'd written a check on the other account, we weren't eligible for the miles. (?) That made no sense to me, since the accounts weren't linked in any way, but even after numerous phone calls and letters, the miles were declined. I did get the money returned with no fees deducted. I'm still seething. Jean