the bank pays me 2% on the accounts
I sure wish my bank paid that. On the "preferred" account I have with a modest six figure balance they pay a whopping effective rate of 0.1%. Every quarter I get between $1.00 to $1.20 interest. That is one of the higher rates locally.
One of the things I do is to use credit nearly exclusively every month, then pay the account off in full with every statement. I can receive more in cash back from the credit card than I would ever make from using cash for initial purchase.