Is it money you may need at short notice? If not, you can probably get at least some sort of a return by putting some of it into a different investment or account. I doubt you are getting much if any interest payments on that money which is a lot to tie up with zero return (I actually have a checking with interest account but it is some rediculously low rate like 0.01%). Savings accounts aren't paying much better. I have been putting any extra into a dividend paying utility stock (or paying off my mortgage). I keep my checking account balance arround $5,000 to cover most emergencies. That would give you $20,000 to put someplace else. Where to put that of course would be up to you.