Someone clever enough to try this might also just invest their cash in treasuries and cut out the middleman's fees, unless you think you know better than the ba

Someone clever enough to try this might also just invest their cash in treasuries and cut out the middleman's fees, unless you think you know better than the bank that interest rates will be coming down soon and the opportunity will evaporate (banks are not great at predicting market conditions as showcased recently by SVB and company but I wouldn't do it personally without some edge). Edit: Although if the bank was mismanaged into a bad liquidity situation, they might want to offer an even better price than the difference between treasuries would provide as incentive.