Yeah, money is money. The first year I didn't know about it, so I was happily surprised to get an extra $20 in my account. The second year, knowing about it, I intentionally used my debit card where I wouldn't normally (smaller purchases, etc...) and increased it by $10. I've never had any other bank give me money just for using their services. That, on top of free checking, is a win-win for me.