This　paper　examines　whether　and　how　bank　FinTech　affects　liquidity　creation.　Using　panel　data　from　Chinese　commercial　banks　over　the　period　2008-2019　and　bank-level　FinTech　indices　constructed　by　a　textual　analysis　method,　we　find　robust　evidence　that　banks　with　greater　Fin-Tech　development　create　more　liquidity　for　the　public.　This　effect　operates　through　deposit　inflow,　risk　management,　and　cost　efficiency　channels.　Furthermore,　we　find　that　the　positive　effect　of　bank　FinTech　on　liquidity　creation　is　more　pronounced　for　banks　with　non-state　ownership,　unlisted　status,　and　less　liquidity　creation.