Seems That The Requirements Are Changing In 2011

"Effective January 1, 2011 - High interest earned and free nationwide ATM withdrawals when these qualifications are met in each statement cycle: receive monthly statement electronically; 6 point of sale transactions (minimum $20 each; ATM transactions not included); 1 Direct Deposit or 1 ACH Withdrawal. Minimum amount to open is $100.  Limited to one account per social security number. Available to personal accounts only."

 

It will also impact exisiting accounts.