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

https://charlie-wiki.win/index.php/Why_Is_the_FDIC_Limit_Only_$250,000_and_What_Do_Startups_Do%3F_40080

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