This is an easy way to earn a $200 gift card for opening a checking account. The codes are sold on eBay. The codes expire on May 19, 2012. This promo is great, because there is no direct deposit requirement. There is a monthly fee, but it can be avoided with a direct deposit or ACH push of $500 per month. The account must be open for 6 months. Read the rules carefully to avoid any fees.