Many startup accounts now offer interest on idle cash, often paying APYs higher...

https://spark-wiki.win/index.php/Should_I_Keep_Operating_Cash_in_Checking_or_Move_It_to_Treasury_Products%3F

Many startup accounts now offer interest on idle cash, often paying APYs higher than Treasury yields. But remember, FDIC insurance covers only up to $250,000 per bank. Services like Rho and Mercury help you earn more while managing those limits