To improve on the situation Charles Schwab is now offering 4.25% on checking accounts and there MMA are paying 5% if you are not already taking advantage of this. You can sweep money from the checking into the brokerage money market accounts. Not that you want to keep much money in your checking account but it seems to be a good way of making your money work for you. I am still playing around with it. 4.75 and 3.75. That is cheep money. Well done.
