[guepe]

If you buy t-bills yourself fees are low, and brokers aren't banks - so risk of money being stuck there is low.

It's a bit of work but very manageable. 10/10 recommend, you earn more than a savings account.

[ac29]

Fees on buying treasuries are zero if you buy them directly from the treasury or any of the large brokers (Vanguard, Fidelity, etc).