Three years ago I moved from one town to another. I love my bank in my old town, but it's a local bank and has no other branches. Every time I'd have a live check or cash to deposit, I'd have to drive aaaaaaalllllllll the way back to my old town to take care of it, about 30 minutes in good trafic. Since I get reimbursed from my company for various expenses related to me working from home, I get a live check at least once a month. So, I was kicking around the idea of opening just a basic checking acount at the Chase branch about 5 minutes from my house, just so I could have a local place to cash checks, I'd still use my old bank (with their wonderful, personal serivce) for all my serious banking, and just use the Chase account for my "allowance money" and the ocasional cash withdrawl from the ATM. I already have a Chase credit card, and one day while logging in to check my statement, an ad popped up saying if you opened a new account with Chase and had direct deposit, they'd give you $125! Sold! I opened up the account about a month ago, my first direct deposit from my payroll went in on Friday, and today I updated my Quicken and saw that they deposited the money! Now, what do I spend it on??? Oh, and meanwhile, I've already been able to cash several live checks localy, instead of having to wait until I have the time and inclination to drive all the way to my friendly bank in the other town. This is great, I should have done this sooner!