I may be dumb, but free money sounds pretty good to me. I read the terms and couldn't find a catch. I'll receive a check card and if I use it three times in the next 45 days, Ing will deposit $50 in our account on Day 50. The best part is that it only requires a $1 deposit to open. The only caveat is that I think they run a credit check because they want to give you an overdraft line of credit. I said I didn't want any overdraft protection, but they still might run a credit check. I should be OK there, but we'll see.
I hope it works. An extra $50 would be a nice way to kick off the summer.