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If your initial deposit is not received until the month after account opening, the account will only be eligible for 11 savings rewards. The bonuses look enticing, especially for anyone considering opening a new account. We make money from affiliate relationships with companies that we personally believe in. At the end of the day, our readers come first and your trust is very important to us. They are the 2nd largest bank in the State of Illinois where they are headquartered Chicago.