Just thought I'd post a few less than successful actions from Bank Direct when signing up for checking account offer of AA miles: 1. Confirmation agreement you are asked to sign states only upto $100,000.00 is covered. FDIC is now $250,000.000. CSR says it doesn't matter. I told her she was unqualified to comment for the bank and requested all documentation be made accurate. 2. Digital Signature form - BD emailed it to a secure account that I could not access until a passphrase was known. BD CSR and supervisor thought they were mailing direct to my web address but it got rerouted to secure account I coluld not access. Dummies! 3. Digital Signature Form Format - comes in a .mht extension file that is difficult to view and print. Finally, rotating in portrait made is printable but marginally. BD seems clueless with .mht and should use a different format like PDF or docx to ensure readability. Clearly .mht is smaller size but close to worthless in clarity for printing. 4. NO ACH options just IPAY which is more cumbersome to transfer money out. Bank Direct sure seems like it has a bunch of unqualified loonies in the CSR department.