The only other thing I can think of is a credit card that has associated checks. If you get a credit card that doesn't start charging interest until the next billing period comes around, it could function as your free elastic buffer.
When you draw cash from a credit card, whether via ATM or by these "convenience checks," it begins accruing interest immediately. Otherwise, you'd be able to use your credit card to buy other investments and pocket the profits. That's clearly not allowed.
(Never mind that, when banks place holds on big deposits or otherwise slow down the flow of money, that's exactly what they're doing to you, effectively borrowing your money from you without paying you any interest.)
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