Seems they have changed some of the rules. Here is a recent mail I got from them. I decided not to open if there is no bonus. Unfortunately they also did a hard enquiry on my transunion credit report. May be I should have claimed that I am family member of someone here!!
The $125.00 promotion is only available to current members, family members, and employees of our corporate partners. The Google offer to all others actually ended several months ago. Before I have you send me your proof of ID, social security, and address, are you still interested in the account despite not being eligible for the $125.00 payout?