KResearch says FCD deposit balances fell about 2.4% year to date to end-July 2026, after four years of double-digit growth. Savers are converting dollars back to baht because the weaker baht gives more baht per dollar. Most FCD accounts are savings accounts paying under 4%, and corporate accounts mainly serve as natural hedges for trade receipts and payments. For a business holding USD or JPY, a weak baht means converting now gets more baht, while SCB's e-FCD promo pays 5% on the first 25,000 USD, but only for deposits made 1 Aug to 31 Dec 2026.