Bank Deed

The Bank Deed is a deed that allows the player to place a Bank in town. Once placed, it takes 2 nights to build. The Bank is a town service building that provides core money-management functions and can be used from any Bank on any island.

The Bank offers three services: depositing Dinks, withdrawing Dinks, and converting deposited Dinks into Permit Points. Dinks must be deposited into the bank before they can be converted, and all three services are available from any Bank location. The building also supports passive savings growth, making it one of the most useful late- and mid-game town services for managing money over time.

• Deposited Dinks earn interest while they remain in the bank.
• The interest rate is 1/7%, which is the same as about 0.14% per day on the first billion Dinks.
• Interest is applied during sleep and is rounded down to the nearest whole number.
• The interest cap applies only to the first billion Dinks, with the maximum daily interest capped at 1,428,571 Dinks.
• An A.D.M can be purchased for the bank, allowing withdrawals at any time or day by the player and guests, but it does not allow deposits.

To place the Bank Deed, the required building materials must be supplied after placement; selecting Track Recipe Requirements will add them to the Journal.