Interest On Large Sums of Business Funds

[kahntrutahn]

FACTS:

One has a company.
One is not ready to take any distributions from said company.
One has 6 figures plus rotting away at abysmal interest rates.
One knows of many online savings accounts with 5%+ interest.
One also has learned that many (all?) of these accounts are for personal use, and business accounts get [censored] rates and awful restrictions.

QUESTION 1:

Are there any places where one can deposit large sums of money that meet the following criteria:
1) 5%+ interest rates
2) FDIC
3) Savings/Checking accounts only (no CD, of course MAYABE MM if truely liquid)
4) ACH in/out very much preferred

QUESTION 2:

Is there some type of "work around" where one could have a trustee or some sort of intermediary invest the funds on behalf of the business? i.e. a legal loophole