That's an excellent idea. My bank(s) have a so-called Savings Account (separate from the main Checking Account) that yields a microscopic amount of interest, w

That's an excellent idea. My bank(s) have a so-called Savings Account (separate from the main Checking Account) that yields a microscopic amount of interest, which I never use since I 'save' money elsewhere. That might be a great use case for what you describe.