Bank

[Raspoutine]

Hi,

I've searched the forum and the wiki but I could not find answers to the below questions:

1 - How does the interest rate work? Is it 2.5% per day?

2 - If yes, would the system consider the end of day balance to calculate the interests? At what time?

3 - Alternatively, if movements on the account occurs during the day and the end of day balance is not what is taken into account, how are those changes considered to calculate the interests?

4 - I see there is a credit rating, what is it used for? Does it mean it is possible to borrow money from the bank?

5 - Are there other bank features I'm missing, appart from the usual withdraw/deposit and joint account?

Thank you.

[Crazy]

5 - Are there other bank features I'm missing, appart from the usual withdraw/deposit and joint account?

Economic crisis and bank krash.
No joke.

[Perteks]

Join account member can't check account balance

[FireFlare]

Yes they can i have one and i can check it

[Perteks]

Yes they can i have one and i can check it

How, i don't mean check by character who own that acc but that who are added

[Zmor]

you can also transfer money to other accounts

[FireFlare]

Or use it as a safe place to store stolen caps

[Raspoutine]

Economic crisis and bank krash.
No joke.

That's scary. Would you know what trigger a crisis?

Thanks for your replies guys.

[Dr.Mentat]

Economic crisis and bank krash.
No joke.

yeah..that day the people in 2238 discovered they couldnt pull their $$  out of the bank because it was being used to pay the interest rates of the richest players made people shit bricks...bricks made of broken dreams and poverty.

Ah...good times!

[paco]

Economic crisis and bank krash.
No joke.

yeah..that day the people in 2238 discovered they couldnt pull their $$  out of the bank because it was being used to pay the interest rates of the richest players made people shit bricks...bricks made of broken dreams and poverty.

Ah...good times!

Those were actually one the best days of 2238.

[Raspoutine]

yeah..that day the people in 2238 discovered they couldnt pull their $$  out of the bank because it was being used to pay the interest rates of the richest players made people shit bricks...

So, there is a pre-defined maximum number of caps that banks can handle before going bankrupt because of interests payments?

[DocAN]

Lehamn Brothers grand sons are still alive

[Alvarez]

Economic crisis and bank krash.
No joke.

yeah..that day the people in 2238 discovered they couldnt pull their $$  out of the bank because it was being used to pay the interest rates of the richest players made people shit bricks...bricks made of broken dreams and poverty.

Ah...good times!

This is bound to happen. Until then, i deposit my hardearned grind money there and wait until the interest helps me to reach 100K, then i will withdraw it and deposit another 100K.
Better small interest than no access at all.

I remember camping the bank for cash.

As a suggestion, can the bank implement the dynamic interest? Like, it gets turned off when there is no cash available to stop the economic avalanche.

Or a interest cap, starting with a certain sum of money?

[Raspoutine]

That's a workaround indeed.  It would be good to know how the system deals with interests to expand the efficiency of your method (i.e. would it work if you deposit the cash before cut off to gain the interests, then withdraw until the next batch etc).