Cost me $5 to open a savings account at one of the local credit unions. I use that account for any transfers or exchanges of large funds, and if anyone here wants the acct and routing number I'll happily give it to you. All your gonna get is $5. Oh, wait, I almost forgot, the Credit Union requires a minimum of $5 to keep the acct open, so you can't even get that without my going in to the office to close the account.
Open a savings acct just for doing business and don't keep any money in it when your not using it.

Jerry N