I like keep some cash on hand for larger planned expenses, but the Vanguard Money Market account is paying nothing. Right now I have my cash in a local credit union that pays 1%, but they do not allow drafts or checks off of the account, I have to physically go in and get a check (or transfer to one of their checking accounts that includes a fee), which I do not care for. Any other options out there? Short term bond funds an option?