You just ask IntraFi to place it for you. https://www.intrafi.com/services/deposit-solutions/for-regional-and-money-center-banks/ https://www.intrafi.com/servi

You just ask IntraFi to place it for you. https://www.intrafi.com/services/deposit-solutions/for-regional-and-money-center-banks/ https://www.intrafi.com/services/deposit-solutions/for-regio... It generally looks transparent and like it's just in your chosen bank. (Though if you want laddering, etc, you do need to plan). If you have a lot of cash, you buy T-Bills and other instruments with some of it. And yes, you have some risk remaining, of some of the cash disappearing. But with diversification and insurance, it is negligible.