The email I wrote yesterday looks like it didn't stick I'd guess that everyone wouldn't have an interest in low yield accounts. This site is a well manged goal mine of depth offering of such instruments - CD's, savings, money market accounts, etc. I'll just say take a look - e.g. Morgan Stanley is offering a 1.9 yield - highest anyone has seen right now. Alliant credit union offering an 11 month CD yielding 1.50% - and has no 'break penalty' for breaking it if you.

depositaccounts.com - a little in depth because today their homepage looks a little cluttered

Lastly - long ago I set up f an ach account at a bank paying some interest rate account. My brokerage, on the other side, will consider funds asked to be transferred by ach from the savings account as if it had arrived the next day.

So, let's say you have a large liquid amount, waiting for the right moment to buy a stock. If  you have a large amount cash of on the sidelines, waiting for the right time to invest it. Why not have it earn interest while you wait?