The Banker is a nobleman who will store coins at the main building in the town center when the Monarch drops coins to him. He will also produce a few extra coins as interest. He makes a good bank for protecting the Kingdom's treasure during the night as well as for stashing coins in preparation for the winter when the options for generating income are reduced. The Banker will go into the Castle keep when the sun falls.
When given fewer than ten coins, the Banker holds onto them, but they are considered as stored. When given 10 coins, he walks over to the castle doorway to visibly deposit them, and will then be ready to pick up more coins. This can be repeated up to an unknown maximum limit.
By standing or walking near the Banker, the Monarch will either withdraw a third of the coins stored or have their coin pouch filled to the top, whichever is smaller. The Banker allows unlimited withdrawals and deposits each day, although withdrawals are locked for the day as soon as a deposit of ten coins is made (to reduce frustration from accidentally withdrawing everything the Monarch just deposited.)
The Monarch can approximately tell how much money is stored in the town hall/keep by observing the pile of coins inside. If there are fewer than approximately one hundred coins in the bank, the coin pile will visibly rise or fall while coins are being deposited or withdrawn via the Banker. If there are more coins in storage than this, the coin pile will not change, even though it looks like there is more space for it to rise. There is no limit to the number of coins the Monarch can give to the Banker.
Interest earnings are daily and depend on the number of coins stored. When up to one hundred coins are stored, the Banker increases the number of coins stored by seven percent (rounded up) per day, and when more than one hundred coins are stored, the Banker contributes an extra 8 coins per day.
Technically speaking if you store at least one hundred coins with the banker, every five days you can refill your coin purse completely. This will work every five days indefinitely by utilizing your earnings from interest alone.
“ —Barnabe Googe, on the Banker's
Give money me, take friendship whoso list,
For friends are gone, come once adversity,
When money yet remaineth safe in chest,
That quickly can thee bring from misery;
Fair face show friends when riches do abound;
Come time of proof, farewell, they must away;
Believe me well, they are not to be found
If God but send thee once a lowering day.
Gold never starts aside, but in distress,
Finds ways enough to ease thine heaviness.
Leaving the islandEdit
Kingdom: New Lands – All coins stored with the Banker are lost forever when the Monarch leaves the island, even if returning to the "same" island later on.
Kingdom Two Crowns – All coins stored with the Banker are kept when the Monarch leaves the island. The bank account in this case is very useful to quickly rebuild destroyed walls and pay tools for jobless subjects after a long period of decay.