College students, right? They 18 years old or older. It is suggested not to deposit on time, because the interest rate of 1 is not high enough to be cost-effective; 2, inflexible, if you need to take it out halfway, it will be settled at the current interest rate, which is too uneconomical.

I suggest you apply for an Alipay account and then open Yu 'ebao. Yu 'ebao is a balance value-added service created by Alipay. If you transfer the money to Yu 'ebao, you can purchase the Yu 'ebao Monetary Fund provided by Tian Hong Fund, and you can get income. The current income level exceeds the one-year deposit of the bank. The funds in Yu 'ebao can also be paid online at any time, which can be withdrawn flexibly, and can be transferred to the bank card through Alipay (mobile phone operation is free). It is a current account when it is used, but the income exceeds the fixed period. College students won't get much income. If the current period is not well controlled, it is likely that they will use a fixed term, which will be very contradictory. No money, no money to use; Withdraw money to pay interest. It is very convenient to use Yu 'ebao to transfer in and out at any time, and the income will not have a big impact.