You can immediately refer other people (i.e. refer your spouse, you値l get a total of $60 between you). After receiving your $20 bonus, and waiting 10 days for your initial deposit to become available, you can withdraw your funds, leaving $1 to keep the account open.
Virtual Bank eMoney Market account features:
No monthly fees
Link to your local bank account
Free online transfers
$100 minimum opening deposit
$20 Sign up Bonus
$20 Referral Bonus
1.01% APY (as of 2/13/09)
To receive your referral link, e-mail me at [email protected] and ask for a Virtual Bank referral. I will email it to you directly.