Ever had that sinking feeling in your stomach when you look at your bank balance and wonder if you have enough to cover things til payday?  I guess everybody has their own threshold for when they get nervous.  Seriously though, memo to the 1% of the 1%: Bank accounts are only insured up to $250k.  Try an ultra-short term T-Bill fund.  They will usually let you write checks against your account as will some Money Market Funds.