Just saw an offer recently from HSBC to become a Premier customer. If I move $150,000 or more into a new account (checking I believe), they'll reward you with a free Macbook Air or 100,000 HSBC Reward points (assuming you qualify for the credit card - which should be automatic considering having $150,000 in cash). I think you only need to keep the money in that account for 6 months to ensure that you don't have to repay the account opening gift. I see the Macbook worth $1200 + tax. The reward points are worth $1000 at least assuming $.01 per point but could be worth a whole lot more if the points can be cashed in for a business class seat to Europe. This should be a no brainer for people with the money where it is earning pretty much nothing in a money market. Am I missing something?