Since the beginning of the year, due to the lower and lower expected income of money funds, many people have begun to abandon Yu 'ebao and turn to smart deposits. Smart deposit is an innovative deposit of private banks, with an annualized expected rate of return of more than 4%. It supports withdrawal at any time and real-time receipt, and is loved by many investors. So which banks have smart deposits? Here is a brief introduction, please see below.

The characteristics of smart deposit are: both the expected income of time deposit and the flexibility of demand deposit. Moreover, because smart deposits are generally issued by private banks, their expected returns are generally higher than those of state-owned banks. Here are some banking products.

1, Fuminbao Chongqing Fumin Bank

Fumin Bank is a private bank in Chongqing, which was established only two years ago. In cooperation with JD Finance, Fuminbao pioneered smart deposits. According to the introduction of Jingdong Finance, Fuminbao has deposit insurance protection, and the payment is within 500,000 100%, which is very safe. Its current expected rate of return is to support withdrawal at any time and real-time receipt.

Purchase channels: Fumin Bank APP, Jingdong Financial APP (daily purchase restriction), Xiaoman APP.

2. Smart deposit+Weizhong Bank

Weizhong Bank is a private bank led by Tencent with a strong background. The smart deposit of Weizhong Bank is different from Fuminbao in nature. It is a regular deposit product of the bank. Banks promise to protect capital and interest and are protected by deposit insurance. Weizhong Bank can get a 4% withdrawal interest rate when the smart deposit is full 1 month (full deposit 1 year dissatisfaction 1 month can get the highest withdrawal interest rate).

Purchase channel: Weizhong Bank APP

3. Wisdom will save baixin bank.

Baixin bank is a direct selling bank jointly sponsored by Baidu and China CITIC Bank. Smart deposit is similar to Fuminbao's model, and the current expected rate of return is to support withdrawal at any time and real-time receipt.

Purchase channel: Xiaoman APP

4. Zhongbangbao Wuhan Zhongbang Bank

Zhongbang Bank is a private bank in Wuhan. Zhongbangbao and Fuminbao are similar products, and its current expected rate of return is to support taking out at any time and taking it out in real time.

Purchase channels: Zhongbang Bank APP, JD Finance APP.

5. Deposit RMB 100 million in Jilin Yilian Bank.

Yilian Bank is a private bank in Jilin. The current expected rate of return of 100 million deposits is to support withdrawal at any time and real-time receipt.

Purchase channels: Yilian Bank APP, Xiaomi Financial APP.

Summary: There are many banks with smart deposits. Blue Ocean Bank, Sanxiang Bank and Zhenxing Bank are all private banks. Smart deposit has high flexibility and expected rate of return, and it is a good current wealth management product. Those who like current financial management can consider it appropriately.