content: perhaps they could offer another type of account that isn't connected directly to the checking account and since money will stay there longer offer a very slightly better interest rate, they could call it something like a savings account that has a nice ring to it, then you can transfer between the two as needed like you suggested with some small computer application for your phone we could call that an app. On the other hand many already offer these things. sure you say it would be different from the primary checking account but to be honest it wouldn't matter as many use the debit card instead of checks anyhow so they would just move to using that as their primary account.