Treasury Direct
Step 1: Set up a Treasury Direct Account
Go to treasurydirect.gov and set up an account. You will need your bank routing and account number, your SSN, and driver's license number.
After entering your password slowly and oddly case insensitive on a screen keyboard, you will be allowed to purchase securities with your bank account.
Step 2: Navigate Troublesome Website
Select BuyDirect at the top. We are going for Bills. I selected the 13-week or 90 day bills issued on 4-20-2023. My purchase amount is 100 are supposedly required. I was kicked off the system and had to re-enter my password on the screen with a mouse multiple times.
How Much Again?
Recent auctions for 13-week bills set the rate at about 5%. Roughly thinking here, 62. That means I get a roughly 5K for 90 days, risk free! The money will be returned to my checking account 90-days after the auction date. I imagine once the auction goes off, I will get a better report.
How Much Work?
The account setup took about 30 minutes all told. Now that I have the feel for it, ordering more bills is probably only a 10 minute exercise. This is noncompetitive bidding that accepts the rate determined by the market. Don't forget this will be on your taxes at the end of the year.