Consider places called 'nonbanks'. These are places like: Mortgage brokers, Insurance companies, Check cashing businesses, Casinos and card clubs, Securities and commodities firms, Money services businesses (MSB), Loan or finance companies, Investment firms, Pawnbrokers, Precious metal dealers, Credit card system operators, Payday lenders. many of these have reasonably liquid pay-back operations. But they are not banks, and they have different rules than banks do Contact them to find what their rules are, and how safe they are.They are not insured, generally. But for small usage, they might be just what you need. https://duckduckgo.com/?q=non-bank+banking&ia=web