Analysis shows depositors are shifting money to accounts for quick withdrawal.

• Position: Marketing News - Brief article

A new analysis shows that consumers are shifting bank deposits from term accounts such as certificates of deposit, to more liquid accounts such as savings and money market.

This shift is an indication of unease about the prospect of economic recovery and fear of hyper inflation, according to the authors of the analysis, Market Rates Insights (MRI), San Anselmo, Calif.

Latest study shows that for every $1 in new deposits, $4.78 is being shifted to savings and money market accounts that allow quick and easy access to funds.

"This type of 'defensive' deposit practice may indicate...