Bank accounts
A bank account is the best way to save your money. You will need to go to a bank with caps in your inventory, to talk to the banker and for a small fee you can create an account or manage your treasure. You can't store any items (other than caps) in banks. Banks cannot be robbed, so your cash is really safe inside.
The wasteland's banks are the Friendly Lending Company. To see a detailed list of the towns they are in (NCR, Hub, Vault City, Broken Hills...), check their article !
Let's see an example of to understand how it works.
Open an account !
At first, you need to find a bank in the wasteland. If you read the FLC article then you know there is one in the New California Republic, one of the most populated town. Plus, it's a guarded town, which means you can't (let's say : it's rare) be attacked into the city, and lose your precious cash after a withdrawal for example.
- Find the bank (NCR : In front of the Sheriff's office).
- Talk to the banker. Easy, isn't it ?
Since it's the first time you ever go in a bank, you will need to open an account.
- Select the dialogue option : "I want to open an account".
- The midget will tell you that to open an account, you need to pay a one-time fee : 100 caps. Pay him.
Congratulations ! You have got an account in that town's FLC. Now remember that accounts are particular to one city. If you opened an account in NCR, you will also have to create one in Vault City or Broken Hills.