Meaning:

“存款” is “to deposit money”; “特种兵” is a “commando” or “special forces.” On Chinese social media, there is currently a trending term: “SWAT (Special Weapons and Tactics)-style depositors.” A derivative of SWAT-style travelers, this term refers to the individuals who embark on early morning journeys from their cities to specific bank branches in other cities, using high-speed rail and public transportation, in order to make a deposit that promises a higher interest rate. As Chinese banks continue to lower their deposit interest rates, some young people are striving to seize the opportunity presented by banks that have yet to modify their interest rates, hoping to deposit their money at higher rates.

Example:

A: 你周五请假去哪儿了？

Nǐ zhōuwǔ qǐngjià qùnǎr le？

You asked for a day off Friday. What’s up?

B: 我去东莞一家银行存钱去了，利息会高一点。

Wǒ qù dōngguǎn yījiā yínháng cúnqián qù le，lìxī huì gāo yīdiǎn。

I went to Dongguan to deposit my money in a local bank branch, which promised a higher interest rate.

A: 没想到你也是个存款特种兵。

Méi xiǎngdào nǐ yě shì ge cúnkuǎn tèzhǒngbīng。

I didn’t know you were one of those “SWAT-style depositors.”