Once you’re in that happy zone where you possess more money than you can (or wish to) carry, you can start keeping the bulk of your wealth in a bank. Every citizen, including yourself, has a bank account (although of course your account will be empty when you start playing). Banked money is 100% secure from theft. To conduct most banking transactions, you must go to a bank (see the town maps for bank locations).
Your bank account and Safe Deposit box (see below) can be accessed from any bank in the land.
Safe Deposit Boxes
If you say “Bank” to the banker, he will open up your personal chest. Note that there is a limit on how much this chest can hold. Also, gold in your account and gold in the box are the same gold; there’s just two ways of getting at it now.
Deposit
You can deposit money into your account just by dragging it from your Backpack to any banker NPC. You can also place it directly in your Safe Deposit Box.
Withdraw
If you need money from your bank account, just type “Withdraw $$$” (where $$$ is the amount of money you wish, as in “Withdraw 100”) to the banker. The money will be transferred to your Backpack. You can also take the money directly from your Safe Deposit Box.
Automatic Withdraws
For very large purchases of 2000 gold or more (a house or ship, for example), or for purchases from a vendor where it would be difficult or impossible to carry sufficient cash on your person, the vendor, architect, shipwright or other tradesman can transfer funds directly from your bank account, even without a banker present, once the deal is agreed upon.
Statement/Balance
To check your available funds, say “Balance” or “Statement” to any banker, and he will tell you your current balance.
Criminals and Murderers
Criminals and murderers cannot bank until they are no longer flagged as criminals or murderers.
