If you are not getting any decent returns on interest, why keep excess funds in the bank???
We all did not get a decent return in putting our money in the bank, our only interest is just to make our money safe as most banks have an insurance policy when you entrusted your money to them. I have a different way of making money and that is by investing, not in a single moment I think bank interest income is worth for my money, what I can earn in a year can be achieve in day in trading.
I also decided that I will not keep money at the bank because the money should not just lie, they have to work. I'm investing my money in different projects, thanks to which my capital is constantly increasing. Banks will never give me such a high profit