Bank accounts are an important part of Drug Wars - Underworld. Using the bank allows you to stash your earnings, out of the reach of cops, gangs and mafia. Plus, you earn interest daily on money you've placed in an account.

About |  Viewing |  Opening |  Closing |  Deposit and Withdraw |  Interest |  ATM Cards

About Bank Accounts

Bank accounts allow you to stash away money that you've made. Your money isn't gone...you can still get to it any time you'd like. However, money stashed in a bank account cannot be used for buying products on the open market.

You may choose to use bank accounts to earn interest, or you may like to use them to prevent all your money from being seized by the cops or other encounters.

You can have any number of different bank account from any number of different banks. This allows you to spread your money around.

Viewing Bank Accounts

Bank accounts are managed and viewed from the Bank Accounts window. To open this window, click the Banks button on the Location Map. The Bank Accounts window displays all of your current accounts and their balances, and provides you an interface to interact with your accounts.

Opening a New Account

To open a new account, click the New Account button in the Bank Accounts window. You are able to select from any of the banks in your current location. There are different banks and branches available in every location, sometimes with very different terms.

Each bank has a different interest rate, minimum opening deposit, and minimum daily balance. In addition, some banks offer ATM cards as part of their service, while others do not. Select the bank which is right for your needs, and click Open Account. You will be prompted to enter the initial deposit amount to open the account.

Once you have opened an account, it remains until you close it.

Closing an Account

To close an account, select an account in the Bank Accounts window and click Close Account. All of your funds in the account will be withdrawn, and the account will be closed.

Deposits and Withdraws

To move money from your pockets to an account, you must deposit it. Similarly, to get money out of an account, you must withdraw it.

To deposit money, select the account to deposit to in the Bank Accounts window, and click Deposit. You will be prompted to enter the amount to deposit. To quickly deposit all your money, click the Deposit All button. When you choose Deposit All, all your cash will be deposited, except for the amount specified in the Preferences.

To withdraw money, select an account and click Withdraw. You will be prompted to enter the amount to withdraw. Since most banks require a minimum balance, you cannot withdraw an amount that would leave your balance lower than the bank's minimum. To withdraw more, you would need to close your account. To quickly withdraw the maximum, click the Withdraw All button. This will withdraw as much as possible, leaving in the account the minimum amount, or the amount specified in the Preferences, whichever is more.

Interest

Many banks will pay you interest on the money you have in your account. When you open a new bank account, you can see the interest rate offered by the bank.

Interest rates are expressed in terms of yearly interest rates. This means that a 10% interest rate on an account doesn't result in 10% earnings every day. It means that over a year (365 game days), if you didn't change the amount of money in the account, you could expect to make about 10% return on your money.

Interest is added daily, but is calculated for a yearly rate. Interest will make you a little money, but not enough to live off of, or enough to get any big scores.

Using ATM Cards

Some banks provide you with an ATM debit card, which allows you to debit your account to pay for services and items in the Store, Airport, or Hospital. When you have one or more accounts with ATM cards, you will have the option in these places to pay with your ATM card. When you choose to pay with ATM card and you have more than one card, you will be prompted to select which card to use.

Use your ATM card wisely...electronic transactions leave a paper trail which may help certain unwanted parties to find you.

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