This is a very informative thread, thanks to all who have contributed, but I have a few questions. 1. Does this only work if you have maintained a substantial balance in a checking account? I prefer to keep funds in an interest-bearing account. I keep a cushion plus paychecks in and bills out, but the average balance is probably in the $3-4k range, maybe. Is that sufficient, or would you have to maintain a larger balance? Seems a waste to keep so much in a checking account. 2. For CET in particular, anyone have an idea of what the minimum requirements are, what's the minimum line they will extend? Thanks!