Bank Review, and tips

[temporary]

No matter how you try to slice it, the game is breakable with or without the bank. The bank does help, but it helps when you don't need any help. It helps with affording to lock in positive quirks, buy lots of trinkets, and focus more on collecting heirlooms for districts. These things are slowed down without the bank.

[Narrowmind]

This is definitely untrue on its face because it slows down your progression dramatically by the use of portraits needed elsewhere. An antiquarian can make up for the money generation in a way that leaves the bank in the dust. It's really no contest when you know what you're doing.

[Yes, I have a Mic.]

If you're going for speed then the bank is a waste. Theres always risk in haste though.
If you're willing to go as slow and as steady as those 100 weeks will allow? Bank all the way.

I prefer slow and steady. Theres no prize for getting one team to resolve level 6 early, except a decrease in passive weekly income.

[RopeDrink]

The bank is a waste of time and resources. It slows the early game, pays itself off by mid-game, and kills itself off in the end-game. If you can afford to buy a bank, then you never needed it, and if you have an Antiquarian, you already have everything you need to be stinking rich with nary an impact on your general progression.

https://steamcommunity.com/sharedfiles/filedetails/?id=1095632449

Even if you avoid the Bank + Antiquarian together, good play will typically pay for itself.

Objectively, there is no reason to buy a Bank unless you simply want to. Whether you're a new player or a seasoned veteran, the Bank is the last thing I would ever promote to someone else.

[Narrowmind]

If you look at it that way, you actually don't have to fight the bosses at all. I'm just saying the needs for the district require a huge amount of stalling that you could pour directly into your characters instead. Even after you get the bank, it still requires a certain balance before it really takes off.

[Skinny Pete]

Originally posted by slot09:

No matter how you try to slice it, the game is breakable with or without the bank. The bank does help, but it helps when you don't need any help. It helps with affording to lock in positive quirks, buy lots of trinkets, and focus more on collecting heirlooms for districts. These things are slowed down without the bank.

The bank isn't really optimal because of the early pain but I sometimes like to get it anyway. My tactic for Bloodmoon is to sock away 5K gold every week, so that I start out week 1 with 5K, then 10K week 2, etc. This while focusing exclusively on the heirlooms required, so I get the bank as quickly as possible, then continue putting away 5K a week. By week 20 this is paying for itself (and you will have had to triage heavily on skills/armor/etc which can make a deathless run trickier).

However, by week 50, you should have 250K put away and at that point, money is no object. You can even actually pay to lock in/remove quirks and buy stuff from the Nomad Wagon, two things that are usually squandering your money otherwise.

I find if you don't rush the bank in Bloodmoon, you're not really getting much value out of it.

You'll probably need to take a couple "cheat weeks" here and there as well, especially if low skill/bad equipment are actually endangering your party.

I'm not recommending this, or getting the bank in general, but I like doing it anyway.

In anything but Stygian/Bloodmoon though, you're really better off just getting it at your leisure.

(Edited to correct utterly dumb math.)

[Yes, I have a Mic.]

Originally posted by slot09:

Originally posted by Yes, I have a Mic.:

If you're going for speed then the bank is a waste. Theres always risk in haste though.
If you're willing to go as slow and as steady as those 100 weeks will allow? Bank all the way.

I prefer slow and steady. Theres no prize for getting one team to resolve level 6 early, except a decrease in passive weekly income.

The bank is bad for rushing to veteran missions but for all bosses it just makes the early game negligibly harder to make the later game slightly easier.

True.
For me I just think theres nothing that beats the feeling of seeing a pile of gold in a dungeon, rolling your eyes and then dumping it on the ground like trash.
At a certain point I want gold to be that thing I used to bother with. The sooner the better.

"Well you can get 30 - 40k per dungeon, you don't need the ba-" Ew, effort.
Also my backpack is already full of supplies I don't need. Because ♥♥♥♥ it, why not.
50k paycheck for doing nothing won't spend itself.

(I did spend alot of time grinding Endless Harvest, I'll grant you but that ♥♥♥♥ needed to be done anyway. So many trinkets to collect.)

[Nat. 1]

I think rushing the bank is an unneccessary risk tbh, but once you have your guild at level 3 going for a bank makes somewhat sense, as even a week 40 bank will very often generate 200-300k in a playthrough, when it's used together with traditional money making optimizations.

[Skinny Pete]

Originally posted by slot09:

For all bosses I would get level 2 upgrades and roster increases (maybe 25) and some cost reductions, then Cartographer's, then the rest of cost reductions and more roster (29), then level 3 upgrades (possible before veteran but if you're not fast then you could cut corners somewhere else or do cartographer's after level 3). The bank isn't as good.

If you're going to get just one of the Districts, Cartographer's Camp is definitely the best.

I actually don't think getting any of them is optimal, though. I only got them all after winning (including the Red Hook) just for completeness' sake.