You probably already are. Add up all the bank fees for withdrawing your money, service fee's, automatic bill payments, etc. and you will find you DO pay the bank to store your money there.
The only bank accounts that actually pay you anything these days are so called 'high interest' accounts that require you to maintain an minimum balance and limit the number of transactions you can do a month.
Bonds pay next to nothing as well these days.
If you want to make any money with your money these days, you have to play the markets aggressively, or pick some stock and just wait for better days.
I think preservation of capital is more the order of the day.