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.

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 !

Let's see an example to understand how it works.

Open an account !

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.

• Find the bank (NCR : In front of the Sheriff's office).
• Talk to the banker. Easy, isn't it ?

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.

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.

Deposit

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.

• 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 "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.

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!

Joint accounts

An account balance.

Joint accounts allow a group of players to all withdraw and deposit money into the same account.

Creating a joint account

• Create a normal account first (100 caps, see above).
• 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 "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.

Managing joint accounts access

The dialogue options to add or revoke 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.

• 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.
• 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.