Not sure how they are in the US, but I've gotten 0.01% last year on my cash savings account. It's not worth keeping money there. The time you spend moving it from there to your primary account eats the interest.
You can quite easily get .5% from anything called a High Yield Savings account. They are FDIC insured. You used to be able to get as high as 1.5%, though with fed rates dropped to 0 that has gone away.
But .5% is still 50x higher than .01 (and many multiple times higher after a few years of compounding interest).
If you have a 15k rainy day fund, you're easily throwing out 1k a decade by keeping it in checkings.
