It's also basically as easy to stick with your current institution and put cash into ICSH (https://www.ishares.com/us/products/258806/ishares-liquidity-income-e

It's also basically as easy to stick with your current institution and put cash into ICSH (https://www.ishares.com/us/products/258806/ishares-liquidity-income-etf https://www.ishares.com/us/products/258806/ishares-liquidity...) or if youre worried about inflation TIP/SCHP (https://www.blackrock.com/us/individual/products/239467/ishares-tips-bond-etf https://www.blackrock.com/us/individual/products/239467/isha... https://www.schwabfunds.com/products/schp https://www.schwabfunds.com/products/schp) It has the benefit of working anywhere, without switching banks, and the time to liquidate and get it back into your checking account will be 2 days, similar to moving money between institutions. The benefit being the entire transaction happens within the purview and responsibility of one customer service organization. It's not quite cash and interest, but in effect its going to be basically the same thing.