Banking

The Central Bank is the server's savings bank. It offers two products: flexible savings, which can be deposited and withdrawn at any time, and 7-day bonds, which lock money for a week at a higher rate. Savings give cash a reason to be held: money in the bank earns weekly interest and still counts toward your net worth.

Products

Product	Target rate	Liquidity
Flexible savings	0.15% per week	Deposit and withdraw any time
7-day bond	0.40% per week, locked in when you buy	Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty

• Rates are targets, not guarantees. Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target. Bond rates are locked at purchase and bonds are paid before flexible savings.
• Interest is calculated on the lowest balance you held for the full week, so topping up right before payout does not earn extra.
• The full rate applies to your entire balance - there are no balance caps.
• Minimum deposit: $50. One bond at a time per player, from $50 up - no maximum.

High-yield tiers

Large accounts earn multiplied rates. Your tier is set by your total account balance - flexible savings and bond combined - and applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

Tier	Total account balance	Rate multiplier	Flexible (target)	Bond (target)
Standard	under $50,000	1×	0.15%/week	0.40%/week
High-Yield	$50,000+	4×	0.60%/week	1.60%/week
Private Reserve	$150,000+	8×	1.20%/week	3.20%/week

Check your tier with /savings balance.

• When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with auto-renew on (/bond autorenew), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

Using the bank

Command	Description
/savings	Open the bank menu (works on Bedrock)
/savings deposit <amount>	Deposit cash into flexible savings
/savings withdraw <amount>	Withdraw back to your wallet
/savings balance	Check your savings and bond
/bond buy <amount>	Buy a 7-day bond at the current locked rate
/bond status	See your bond's maturity time and projected interest
/bond autorenew	Toggle automatic renewal at maturity (compounds)
/bond claim	Exit a bond early (forfeits interest, charges a penalty; you confirm first)

Your first deposit asks you to accept the account terms below with /savings accept.

Account terms

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

1. Your savings are yours

Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

2. Interest

Savings and bonds earn interest, paid out weekly.

• Rates are targets, not guarantees. The rate shown in /savings is what we aim to pay. Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target.
• Bond target rates are locked when you buy the bond. Bonds are paid before flexible savings, but like all interest, the payout is still limited by the bank's funded interest pool.
• Flexible savings rates can change for future weeks. We will never reduce interest you have already been paid; changes only affect future periods.
• Interest is calculated on the lowest balance you held for the full week, so topping up right before payout does not earn extra - money has to actually sit in the account.

3. Bonds

• A bond locks your money for its full term (currently 7 days) at a fixed rate.
• When it matures, your principal plus interest is credited to your flexible savings.
• Ending a bond early forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
• Bonds set to auto-renew roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

4. Exploited, duplicated, or mistakenly-credited money

The Central Bank runs on a real, tracked economy. To keep it fair:

• Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance. Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
• If your balance changes in a way you cannot explain - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - tell staff right away. Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
• Do not exploit, and do not help others exploit. Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
• Honest reporters are rewarded, not punished. Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

5. Account security

To protect the bank and its savers, staff may:

• Recover money credited in error to your account, as described in section 4.
• Temporarily freeze an account that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
• Review or limit unusually large withdrawals for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

6. Fair use

• One Central Bank account per player. Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

7. Changes to these terms

We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

Questions about your account? Ask staff - we're happy to help.

See also

• Economy - server economy overview
• Commands - full command reference
• Server rules - general conduct rules