Banking

Template:Notice

The Central Bank is the server's savings bank. It offers three products: flexible savings (deposit and withdraw any time), 7-day bonds (locked for a week at a higher rate), and stocks (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

Products

Product	Base rate	Risk	Liquidity
Flexible savings	1% per week	None	Deposit and withdraw any time
7-day bond	1.5% per week, locked in when you buy	None	Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
Stocks (Prosperity Index)	~+2.8% per week on average (daily moves)	Can lose value on a down day	Buy and sell any time

Rates are paid in full each week. The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
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.
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.

High-yield tiers

Large accounts earn multiplied rates. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest, to the rate locked into new or auto-renewed bonds, and it amplifies your stock market swing in both directions - so stocks out-earn bonds in the long run at every tier, with risk to match.

Tier	Total account balance	Rate multiplier	Flexible	Bond	Stock swing
Standard	under $50,000	1×	1%/week	1.5%/week	1× the market
High-Yield	$50,000+	4×	4%/week	6%/week	4× the market (up AND down)
Private Reserve	$150,000+	8×	8%/week	12%/week	8× the market (up AND down)

Check your tier with /savings balance.

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)
`/stocks invest <amount>`	Buy into the Prosperity Index
all>	Sell back to your wallet at the current value
`/stocks status`	Your position and last week's market close

Stocks

The Prosperity Index moves once per day - everyone shares the same market, and the week's net move is announced in chat at the weekly close (daily closes show in /stocks status). Most days are up, some are down; over time the index is built to grow with the server's economy, averaging roughly +2.8% per week at the standard tier - the best long-run return in the bank, ahead of bonds. High-yield tiers ride a 4× or 8× version of every daily move, up and down. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the next daily close, so there are no free same-day gains. Positions can shrink on a down day - never invest cash you cannot afford to see dip.

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 paid in full. The rate shown in /savings is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
Bond rates are locked when you buy the bond and are honored for the bond's full term.
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.

3b. Stocks

Stock positions are revalued daily by the shared market move (amplified by your account tier). Values go down as well as up - a down day reduces your position, and that reduction is final.
The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
There is no lock-in: you can sell any part of your position at its current value at any time.

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.