Hey Bobby,
Yes, you only need to deposit $100 at Virtual Bank to get the $20 bonus.
Check my page out. If you're an ING Direct savings account member (or will become one) I can give you a slight bonus:
http://www.nobrainer.../bank_deals.php
Email me if you're interested. Please keep in mind I (or anyone else) will lose the referral if you decide not to sign up or more than one person emails you, as there are a limited amount Virtual Bank gives us to send out. Thanks!
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