Too many of the banks (WF, BoA, Truist, Chase, etc.), don't pay interest on checking, and they toss insultingly paltry 0.01% interest on savings accounts. Might as well keep it under your mattress if you don't want to move it into a fair interest account.
There are banks paying 4% for a savings account with no minimum balance. You can buy short term treasury bills earning 5% for six or twelve months.