10 debits for any amount used as a debit or credit, look at account 4 times a month on line and a direct deposit. 3% on up to $15,000. Open to anyone. I have had this account since my old reward account that paid over 6% on $25,000 was cancelled during the crash.
Just noticed on my account page that you can choose to use the credit card that is available from them. 3% on gas 2% for groceries and 1% for everything else.
I assume this is over and above the 3% on your reward checking account.