Checking/Savings rates are highly correlated to Treasury yields, so if Treasury yields go down, so will yields on checking and savings accounts. To answer your

Checking/Savings rates are highly correlated to Treasury yields, so if Treasury yields go down, so will yields on checking and savings accounts. To answer your first question--if you go with Fidelity, they offer an "auto roll" feature which can re-purchase new T-Bills (or any Treasury/CD) at auction, automatically, when existing issues mature. It's completely hands-off: https://www.fidelity.com/fixed-income-bonds/fixed-income-tools-services/auto-roll-program https://www.fidelity.com/fixed-income-bonds/fixed-income-too...