I'm no startup CEO but I do trade stocks. I know many brokers, suck as Interactive Brokers will automatically move your money for you to different banks and your FDIC insurance is essentially $2.5 million while lookimg like 1 bank (https://www.interactivebrokers.com/en/accounts/sweep-program...)

In addition I use a service called Max My Interest where it will find me the max interest savings account, but also consider risk of bank failure so it's not all in one bank.