Banks have so much cash on hand and interest rates on deposits are so low that in some cases, you'd be ahead of the game if you stored your money in a mattress.
According to Bankrate.com, the national average on 1-year CDs is 0.36 percent. That's right, about one-third of a percent annually, or just $4 in interest on a $1,000 deposit at the end of a year. Money market checking accounts? Forget it, at the 0.10 percent typically paid, you'll have a buck to show for your $1,000 deposit.