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Welcome to the Bank of Skyrim. Here you may invest in the local economy, take out a loan, or turn your gold coins into bank notes.

You may make investments at three different risk levels, choosing a different time period and investment level for each. You will make a variable amount of interest each day, dependin on risk level. The investments are like real-world CDs where you are subjected to a penalty for early withdrawl. Also, your investments will give merchants across Skyrim access to more working capital (a.k.a. more gold on hand). The more you invest, the more gold they will have on hand.

You may take out a 30 day loan. The size loan available is based on your character level. If you happen to default on the loan your investments will be seized in an attempt to pay back the loan.

Bankers in the major holds (Whiterun, Solitude, Riften, and Windhelm) spend their days at a table in their respective hold's palace. The smaller hold bankers hang out in the Jarl's longhouse. During the evening these bankers hang out at the local inn. The Markarth Banker spends all her time at the Treasury House.

Bankers in the major holds have a book at their table that goes into more detail on each of these features.


--Upgrading From Old Versions--
This mod is a complete redo of my previous banking mod. If you have that mod, before switching over to this one, make sure to cash any notes or investments. The code structure is completely different and the two are NOT compatible. Also, don't run both at the same time: funky stuff will happen.


--Future Additions--
Eventually there will be a feature that reports you as a criminal for not repaying your loan on time. You will have a certain grace period if you default, but after that time your bounty will be increased in the various holds equal to however much you owed the bank.


--Known Issues--
Some users have reported a bug where they start a new game with this mod enabled. For some reason they aren't situated on the cart properly and the starting sequence doesn't initiate. I have tried to replicate this problem myself many times with no luck. I also have no idea why this would happen: this mod doesn't touch carts, any existing quests or actors, or any of the Helgen cells. But, just be safe, you should probably disable this mod temporarily whenever you start a new game.


--FAQ--
Q: The banker is no where to be found. What gives?
A: The bankers hold specific hours. They are their desk in the palaces (or hanging out in the Jarl's longhouse for the smaller holds) from approximately 8am-7pm. The rest of the time they are at the local inn. If you cannot find them at either location you may have to "wait" in order for them to show up.

Q: What is the interest rate of the loan?
A: It is 4%, compounded daily. Increases to 6% if you default.

Q: What is the interest rate of the different investments?
A: That's not any easy answer. They are all compounded daily, but the exact percentage fluctuates every day. The range of values are determined by the length of the investment and the risk level. For charts detailing these values, check out the "Banking Fine Print" book that the major bankers keep at their tables.

Q: What's the point of the promissory notes?
A: There are some immersion mods that add weight to gold. The notes feature is designed to allow your player to carry their money around in a lightweight form. If you don't have any mods that alter gold weight you can safely ignore this feature.

Q: How do I know how much time is left on my investment or when my loan is due?
A: You can check under your miscellaneous quest objectives; there will be an entry for each investment and/or loan that tells you how many days are left. You can also talk to a banker to get a more detailed status with time remaining , current balance, and recent intererest rates.

Q: I go to invest but when it asks for an amount all I see is "cancel". What's wrong?
A: You don't have enough money on you. You need at least 5k gold (actual gold, not notes) to make an investment.

Q: Is the investment bonus to merchant gold compatible with merchant mods?
A: It depends. There are a few different things you can alter with relation to merchants, so some mods will conflict, some won't. The ones that have been asked about so far are:
Dynamic Merchants - Does not conflict
Wealthy Merchants - Amount of gold on hand will conflict
Leveling Merchant's Wallets - Amount of gold on hand will conflict, inventory refresh rate will not

Q: Can I get this off the nexus instead of the workshop?
A: You can if you'd like. http://skyrim.nexusmods.com/mods/17985


--Change Log--
v2.0 Initial Posting
v2.1 Added strongboxes to banker tables
-Clarified investment minimum


--Other Notes--
This is by FAR the most complex mod I have ever done. Between the various features there is well over 1000 lines of code. I've tried testing it myself in as many different conditions as I could think of, but given the shear amount of code I'm pretty sure there will be bugs. If you run across something that's not working properly, please detail the problem in the comments and I'll fix it ASAP.

Make sure you read the entire description before asking a questions. Any questions that are already answered in the description will be deleted.

Finally: If you like it (or even if you don't), please leave a rating.