ICBC is better.

Compared with the People's Bank of Binzhou, ICBC is larger in scale. ICBC was established in 1984 and inherited all the commercial banking business of the People's Bank of my country when it was established. It was the only bank with commercial business in China at that time. Therefore, it is relatively more stable. Although the interest rate of Binzhou People's Bank is higher, the risk is also greater.

For large deposits or financial management services, it is safer to choose a large bank, and ICBC has a state guarantee.