I'm not sure how many people think about what happens to their money while it's in a bank account. Most people I believe leave their money in a checking account most of which gives you no interest and even savings accounts these days do not offer much.
Ideally, if you have excess amounts of money you don't plan on using for a large purchase or any other short term plans, you want to invest that. But these are some things to take into consideration when your money is just sitting in a bank account.
This is not to be taken as legal, financial, or professional advice. If you do need help seek out the assistance of a trained professional, who is qualified to do so.