Is there an option that gives me the liquidity of cash / bank balance, without the loss of money, that isn't a bank account?

Best I can get in an immediate access bank account here is 1.35%. Cash is 0%. I can't pay rent and bills with anything else that I'm aware of.

IE, Is there a way that doesn't result in someone 'basically stealing [my] money', or am I screwed no matter what?