The Founders National Bank

- Deposits:
Deposits occur when players wish to put ryō into their own personal account. Players can deposit an unlimited number of times per month, and are able to deposit any amount of ryō that they desire, but players can only deposit funds into their own personal bank account.

- Withdrawals: Withdrawals occur when a player takes ryō out of their personal bank account. Players are able to withdrawal funds from their bank account an unlimited number of times each month, but a surcharge of 5% (for withdrawals equal or less than 50,000 ryō) or 10% (for withdrawals totaling more than 50,000 ryō) will automatically be deducted from that player's bank account and added directly into the Village Treasury. Keep in mind that any attempt to withdrawal ryō without the appropriate funds will automatically be declined.

- Transfers: Transfers occur when a player moves ryō from their personal bank account to another bank account (whether that be the account of another player, business, or the Village Treasury). Players can transfer funds to other local bank accounts an unlimited number of times per month, with a surcharge of 5% (for transfers equal or less than 50,000 ryō) or 10% (for transfers totaling more than 50,000 ryō), which will automatically be deducted from the bank account of the player sending the funds and will be added directly into the Village Treasury. Players can also transfer funds to bank accounts or off-shore accounts in other bank systems, but these types of transfers are limited to a total of 2 per month and will always yield a 20% interest rate based on the amount of ryō transferred (as with surcharges for internal transfers, the funds from this interest rate will automatically be removed from the player's bank account and added to the Village Treasury). Keep in mind that any attempt to transfer ryō without the appropriate funds will automatically be declined.

- Interest Rates: On the first of each month, the total ryō located in any bank account will be awarded a 5% interest rate. This further extends to the Village Treasury as well. Wills and Safety Deposit Boxes are not affected by this interest rate.

- Village Treasury: The Village Treasury will have its own designated thread within the "The Founders National Bank" subforum. Unlike other accounts, however, this treasury can be accessed by the Otokage, Deputy Kage, or village Masters via Otogakure's village updates page. The Village Treasury will never be charged any surcharges or interest rates for withdrawals or transfers.

- Wills: Players who hold a bank account are able to create a will, which takes effect upon their death (or 3 months after failing to reclaim their character in the event of missing an activity check). To create a will, players must first pay 10,000 ryō to the Village Treasury, and thus they are able to decide how to divide the contents of their bank account upon their passing or failed reclaiming of their character. Players can rewrite these ills an unlimited amount of times for a fee of 2,500 ryō per revision , but anything left out of the will upon their death or failed reclaiming of the character will automatically be transferred to the Village Treasury. In the event that the player who has been included in another player's will does not claim its contents within 2 months OOC, the will, or that section of the will, is classified as void and the contents will automatically be transferred to the Village Treasury. Wills must be drawn up in the player's personal bank account thread.

- Safety Deposit Boxes: Safety Deposit Boxes are places where players can store their most precocious possessions without the worry of potentially loosing them. For 500 ryō each month, players can gain access to one of these Safety Deposit Boxes, the monthly fee of which will automatically be added to the Village Treasury on the 1st of each month. players can store up to 15 items in total. Players can also grant items in these boxes to other players via a will, and it should be noted that this will follow the guidelines listed above. Keep in mind that no bodies, organs, or Legendary Items/Equipment can be stored in these boxes at any given time. Should a player not have funds to pay the monthly fee of 500 ryō, the items located in their Safety Deposit Box will be repossessed by the bank itself until the fee can be paid. In the case that players do not reclaim repossessed items after 3 months OOC, those items will be sold and the funds (75% of the item's total value) added to the Village Treasury. Safety Deposit Boxes must be purchased and managed in the player's personal bank account thread.

- Loans: Players who hold a bank account also have the option to take out loans, with the maximum size of the loan being 2 times the total amount currently in their personal bank account. These loans yield a 6-month OOC repayment period, with each repayment being 1/6th the total loan and paid directly to the Village Treasury on the 1st of each month. To request a loan, players must pay the first 10% of the requested loan size upfront, with the remaining 90% being paid in equal monthly payments on the 1st of each month as mentioned above. Should a player miss one of their monthly loan repayments, their personal bank account will be frozen until the missed payment is paid. In the case that a player who misses their monthly payments does not do so within 3 months OOC, their account will be terminated and all of the funds within it will be added directly into the Village Treasury. Should a player have their bank account terminated, and if they have any items in a safety deposit box, the items stored there will be sold and the funds (75% of the item's total value) added to the Village Treasury.