LMCU (Lake Michigan Credit Union) has a 3% promotional APY for their Max Checking account. I just got an ink plus, and am considering using this, being as they allow up to $10,000 initial credit card funding. I am sure many have looked up this alley, or similar to it, but don't see anything. Am I missing something important? In a slightly related tangent, how do people generally fulfill direct deposit requirements? Does Serve or Paypal qualify? Anyone know the rundown on ACH (Automated Clearing House) payments through Chase? (I'm pretty new to this, but the one impression I got is that manufactured spending tends not to be easy. That's why I'm nervous.)