Actually, you can get some or all of your paycheck auto-deposited there! The Payroll Savings Option: https://www.treasurydirect.gov/research-center/communicati

Actually, you can get some or all of your paycheck auto-deposited there! The Payroll Savings Option: https://www.treasurydirect.gov/research-center/communication-materials/for-employers/payroll-savings-option/ https://www.treasurydirect.gov/research-center/communication... Some or all of your paycheck gets sent to a non-interest-earning account that is supposed to be used to buy I Bonds or EE Bonds. But you could, hypothetically, leave the funds in there without doing that step... But yeah, I see your point about daily use. Perhaps your initial idea and the existing TreasuryDirect could be combined and expanded into the Postal Banking idea that other countries have had for a long time?