Smart one attracts banks (4)
I believe the answer is:
neat
'smart' is the definition.
(synonyms)
'one attracts banks' is the wordplay.
'banks' says the answer is hidden in the clue (the clue contains or banks the answer).
'NEAT' can be found hidden inside 'one attracts'.
(Other definitions for neat that I've seen before include "Straight - cool!" , "As whisky may be" , "Shipshape" , "Spick and span" , "Tidy, well-ordered" .)