If you are not getting any decent returns on interest, why keep excess funds in the bank???
You do get some risk-free interest. It doesn't matter whether the returns are decent or not. Your principal is safe, and you are getting some additional returns.
It is safe since it just in a bank and you can get anytime as long as the bank is operating but it will just keeping your money on it without additional unlike when you put in a wallet or investment it will work and can double sometimes depending on the activities youll be doing with it.