Hmm. Duration mismatching is kind of fundamental to the loan business. There used to be a lot more savings accounts that didn't offer at-sight withdrawal, partly because of this; if you make people wait 30 or 90 days you can have more time for things to settle.

On the other hand, in order to do that, you have to pay them a higher interest rate to make it worthwhile. And rates have been driven to the floor.