AI agents could redirect household cash from low-yield bank accounts into higher-paying fintech and online accounts, weakening a cheap funding source banks use to make loans. Apollo Chief Economist Torsten Slok warned that automated cash management could create a slow-motion bank run if households widely adopt agents that monitor balances, compare rates and transfer idle funds automatically. U.S. checking accounts pay about 0.1% on average, while Revolut, SoFi, Varo, LendingClub and Wealthfront offer annual deposit rates of 3.3% to 5%. The concern comes as the Invesco KBW Bank ETF fell 2.3% last week for a third consecutive weekly decline and was down 5.7% month to date, with elevated Treasury yields raising concerns about slower loan growth. Slok said broader use of such tools could force banks to replace low-cost deposits with more expensive funding and constrain lending capacity.