What type of bank account do you use? (buy and hold cash flow)

[Michael Martorella]

Curious what types of bank accounts you all use to hold your rental income and security deposits.

Some context: I'm new here and am modeling out potential deals using IRR as one of my main signals. However, IRR assumes that returns (cash flow) are reinvested at the same rate (which they're certainly not). Instead I can use MIRR which requires the interest earned on cash flow as an input. I'm trying to identify a good number and, in parallel, a good bank to use. Most bank accounts earn less than 2%.

Are there high yield business checking accounts available? Which accounts do you prefer?