Bank accounts - Revision history

Sam6321: Fixed spelling and grammar, re-wrote parts so they make more sense

2013-01-02T12:46:31Z

Fixed spelling and grammar, re-wrote parts so they make more sense

Ganado: updated some info, probably still outdated, I don't use banks

2012-12-08T18:23:45Z

updated some info, probably still outdated, I don't use banks

Ronillon: ... Bank have only limited amount of cash in their reserves. ...

2011-06-29T08:55:39Z

... Bank have only limited amount of cash in their reserves. ...

Ganado: /* Deposit */ - There are no more interest rates, updated information

2011-04-02T02:36:17Z

‎Deposit: - There are no more interest rates, updated information

Ahbob: Reverted edits by Ubudijog (Talk) to last revision by MisteryStranger

2010-11-24T02:31:50Z

Reverted edits by Ubudijog (Talk) to last revision by MisteryStranger

Ubudijog at 01:21, 24 November 2010

2010-11-24T01:21:32Z

MisteryStranger: Update interest rate info. My english is bad, plese check my grammar.

2010-09-18T15:22:16Z

Update interest rate info. My english is bad, plese check my grammar.

RJ: Interest rate 0% -> 2%

2010-08-21T12:39:33Z

Interest rate 0% -> 2%

Izual: Reverted edits by Resp (Talk) to last revision by Bobsomebody

2010-07-25T13:30:48Z

Reverted edits by Resp (Talk) to last revision by Bobsomebody

Resp: /* Deposit */

2010-07-25T10:18:17Z

‎Deposit

@@ Line 1: / Line 1: @@
-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.
+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 to manage your treasure. You can't store any items (other than caps) in banks. Banks cannot be robbed, so your cash is completely 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 !
+The wasteland's banking company is 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 to understand how it works.
+Let's see an example of how the banking system works.
 == Open an account! ==
-[[File:Bank-1.jpg|thumb|Talk to the banker - yes, he's the midget, there.]]
+[[File:Bank-1.jpg|thumb|Talk to the banker (This image is out of date, the banker is no longer a midget).]]
-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.
+At first, you need to visit an [[FLC]] bank. The [[FLC]] article tells you the locations of the banks, for example the bank in [[New California Republic]], which is one of the most populated towns. Plus, it's a [[guarded town]], which means you can't (let's say: it's rare) be attacked in the city, and lose your precious cash after a withdrawal.
 * Find the bank (NCR: In front of the Sheriff's office).
 * Talk to the banker. Easy, isn't it?
 [[File:Bank-2.jpg|thumb|An easy account opening.]]
-Since it's the first time you ever go in a bank, you will need to open an account.
+Since it's your first time visiting this 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.
+* The banker 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. Even if you opened an account in [[NCR]], you will still have to create one in [[Vault City]] or [[Broken Hills]] to use theirs.
+Congratulations! You now have an account in that town's [[FLC]]. Now remember that accounts are particular to one city. Even if you open an account in [[NCR]], you will still have to create one in [[Vault City]] or [[Broken Hills]] to use theirs.
 === Deposit ===
 [[File:Bank-3.jpg|thumb|Make a deposit using the ''say'' box.]]
-To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. There is usually no [need confirmation] interest rates in banks, so your money does not grow over time.
+Making a deposit in an FLC bank is easy and safe. Once your cash is given to the banker, nobody can access it. There are variable interest rates in banks, seeming to be around the 0.1% - 0.3% mark (unconfirmed how frequently this amount is compounded and added to your account, nor how frequently the interest rate changes. Your money will very slowly grow over time.
-* Talk to the banker, tell him : "'''The account is in my name'''" so that he can see what account you want to trade with.
+* Talk to the banker, tell him : "'''The account is in my name'''".
 * Tell him "'''I want to use your banking services'''" and choose to make a '''deposit'''.
-* Use the ''say'' box (On the right) to input the number of caps you want to put in safe - as in the picture. The caps amount have to be in your inventory. Confirm, then your caps are safe.
+* Use the ''say'' box (On the right) to input the number of caps you want to put in safe - as in the picture. The amount of caps you are depositing need to be in your inventory or held in one of your characters active slots. Click Confirm, then your caps are safely stored in your account.
 ==== Withdrawal ====
 * To take back your money, talk to the banker.
-* Instead of a deposit, choose to make a withdrawal, and input (still using the ''say'' box) the caps amount you want to withdraw from your account. The caps will then be added to your inventory, '''watch out for thieves in the banks!'''
+* Instead of a deposit, choose to make a withdrawal, and input (still using the ''say'' box) the amount of caps you want to withdraw from your account. The caps will then be added to your inventory, '''watch out for thieves in the banks!'''.
 == Joint accounts ==
@@ Line 43: / Line 43: @@
 === Managing joint accounts access ===
-[[File:Bank-5.png|thumb|The dialogue options to add or revoke access to a joint account.]]
+[[File:Bank-5.png|thumb|The dialogue options to add or remove access to a joint account.]]
-You can add or remove people that can have access to your joint account. You will have to remember them, since the banker provides no list of them.
+From here you can add or remove players who have access to this bank around. You will have to remember or note down those players with access to the account, since the banker provides no list of them.
 * Go in your account balance.
 * Choose "'''I want to change who can access this account.'''".
-* As seen on the picture, you will be able to add or revoke access. Chose one of the two options.
+* As seen in the picture, you will be able to add or remove access. Choose one of the two options.
 * Write the name of the person to add or remove using the ''say'' box. This player has to be online.
-* That person will be able to log on this account by talking to the banker.
+* That person will be able to access this account by talking to the banker.

@@ Line 1: / Line 1: @@
 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 !
@@ Line 8: / Line 6: @@
-== Open an account ! ==
+== Open an account! ==
 [[File:Bank-1.jpg|thumb|Talk to the banker - yes, he's the midget, there.]]
-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.
+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).
+* Find the bank (NCR: In front of the Sheriff's office).
-* Talk to the banker. Easy, isn't it ?
+* Talk to the banker. Easy, isn't it?
 [[File:Bank-2.jpg|thumb|An easy account opening.]]
 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.
+* 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]].
+Congratulations! You have got an account in that town's [[FLC]]. Now remember that accounts are particular to one city. Even if you opened an account in [[NCR]], you will still have to create one in [[Vault City]] or [[Broken Hills]] to use theirs.
 === Deposit ===
 [[File:Bank-3.jpg|thumb|Make a deposit using the ''say'' box.]]
-To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. There are no interest rates in banks, so your money does not grow over time.
+To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. There is usually no [need confirmation] interest rates in banks, so your money does not grow over time.
 * Talk to the banker, tell him : "'''The account is in my name'''" so that he can see what account you want to trade with.

← Older revision		Revision as of 08:55, 29 June 2011
Line 1:		Line 1:
	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.		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.
		+
		+	'''Note:''' It's not usually possible to withdraw much. Bank have only limited amount of cash in their reserves. Although this amount increases over time, big gangs and trolls use up this limit. Does not matter how much money you put in a moment ago, banker does not let you withdraw.

	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 !		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 !

@@ Line 21: / Line 21: @@
 === Deposit ===
 [[File:Bank-3.jpg|thumb|Make a deposit using the ''say'' box.]]
-To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. Since last wipe, the cash in the bank are increase. Bank '''interest rate''' changes every day from 1% to 3%. If you give 1000 caps to the banker, next real time day you will get 1010 or 1030 caps.
+To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. There are no interest rates in banks, so your money does not grow over time.
 * Talk to the banker, tell him : "'''The account is in my name'''" so that he can see what account you want to trade with.

@@ Line 1: / Line 1: @@
 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.
@@ Line 22: / Line 14: @@
 [[File:Bank-2.jpg|thumb|An easy account opening.]]
 Since it's the first time you ever go in a bank, you will need to open an account.
-* Select the dialogue option : &quot;'''I want to open an account'''&quot;.
+* 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.
@@ Line 31: / Line 23: @@
 To make a deposit in the FLC banks is easy and safe. Once your cash is given to the banker, nobody can access it. Since last wipe, the cash in the bank are increase. Bank '''interest rate''' changes every day from 1% to 3%. If you give 1000 caps to the banker, next real time day you will get 1010 or 1030 caps.
-* Talk to the banker, tell him : &quot;'''The account is in my name'''&quot; so that he can see what account you want to trade with.
+* Talk to the banker, tell him : "'''The account is in my name'''" so that he can see what account you want to trade with.
-* Tell him &quot;'''I want to use your banking services'''&quot; and choose to make a '''deposit'''.
+* Tell him "'''I want to use your banking services'''" and choose to make a '''deposit'''.
 * Use the ''say'' box (On the right) to input the number of caps you want to put in safe - as in the picture. The caps amount have to be in your inventory. Confirm, then your caps are safe.
@@ Line 46: / Line 38: @@
 * Make a deposit of '''10 000 caps'''.
 * Ask to check your account balance : You will see some informations, and the type of your account : ''Normal account''.
-* Choose the dialogue option &quot;'''Can I upgrade this account to a joint account ?'''&quot;.
+* Choose the dialogue option "'''Can I upgrade this account to a joint account ?'''".
 * The banker will tell you that you need to pay 10 000 caps, taken from your bank account, to upgrade. Confirm.
 * Your account is now a joint account.
@@ Line 55: / Line 47: @@
 * Go in your account balance.
-* Choose &quot;'''I want to change who can access this account.'''&quot;.
+* Choose "'''I want to change who can access this account.'''".
 * As seen on the picture, you will be able to add or revoke access. Chose one of the two options.
 * Write the name of the person to add or remove using the ''say'' box. This player has to be online.
 * That person will be able to log on this account by talking to the banker.