The guy with a book?

[♠ Spade]

Why is the guy with a book taking my coins? :|

[B]

He's the banker. Give him coins and they will earn interest. Stand by him in the morning and he pays out, but it's better to avoid him so you earn more interest. Im not sure what the rate is, maybe... 1 coin a day for every 10 coins that are in there or something like that.

Usually at the start of the island you'll want to keep what coins you have to build but at some point you'll have excess so you might as well give them to the banker.

[5 AM]

Here you go

Originally posted by Orange:

The Banker is very consistent, here is what I found...

Earning Interest

• You gain 7% interest on stored coins each morning (always rounded up).
  
• The most amount of coins you can earn from interest is 8 coins per day.
  
• You still earn interest even if you have 100,000 coins stored in your bank.
  
• You still earn interest even if you have 1 coin stored in your bank, it will increase to 2 due to rounding up.

Bank - Depositing

• There doesn't seem to be a cap on the amount of coins you can store in your bank.
  
• The Banker requires 10 coins before he will manually deposit them for you.
  
• If you only give the Banker between 1-9 coins (so he hasn't manually deposited) he will still store them in the bank at night when entering the town gate.

Bank - Withdrawing

• The Banker will either give you 1/3rd of your stored coins (rounded up) or fill your Wallet, whichever is the smallest amount of coins.
  
• Once your bank starts getting low on coins, the following can happen...
  - If 7 coins remain in the Bank, 3 can be withdrawn but the remaining 4 coins cannot.
  - If between 1 and 6 coins remain in the Bank, no coins can be withdrawn.

[Farkas MacTavish]

Originally posted by 5 AM:

Here you go

Originally posted by Orange:

The Banker is very consistent, here is what I found...

Earning Interest

• You gain 7% interest on stored coins each morning (always rounded up).
  
• The most amount of coins you can earn from interest is 8 coins per day.
  
• You still earn interest even if you have 100,000 coins stored in your bank.
  
• You still earn interest even if you have 1 coin stored in your bank, it will increase to 2 due to rounding up.

Bank - Depositing

• There doesn't seem to be a cap on the amount of coins you can store in your bank.
  
• The Banker requires 10 coins before he will manually deposit them for you.
  
• If you only give the Banker between 1-9 coins (so he hasn't manually deposited) he will still store them in the bank at night when entering the town gate.

Bank - Withdrawing

• The Banker will either give you 1/3rd of your stored coins (rounded up) or fill your Wallet, whichever is the smallest amount of coins.
  
• Once your bank starts getting low on coins, the following can happen...
  - If 7 coins remain in the Bank, 3 can be withdrawn but the remaining 4 coins cannot.
  - If between 1 and 6 coins remain in the Bank, no coins can be withdrawn.

So how do you withdraw? Just stand near him, like the trader?

[Nakashi22]

Originally posted by ♠ Spade:

Why is the guy with a book taking my coins? :|

This npc is one of the means to reach day 100, If you have a lot of money just give him many coins at a time and wait for him to put it in the safe, repeat, when you need money just stand next to him and he will serve you.

[Stefan]

How do you see how many coins are being stored? The way I see it, you give him coins in the morning (max 10) and he will give you the coins back with interest the next morning.

[Nakashi22]

Originally posted by Stefan:

How do you see how many coins are being stored? The way I see it, you give him coins in the morning (max 10) and he will give you the coins back with interest the next morning.

If I remember correctly there is no way to see how much there is, if I remember correctly I used to give a lot of coins in the same day, he can only carry one amount at a time but he was able to load it many times a day in the safe, and I remember that whenever he gave my coins back he always filled my empty bag on the way to day 100.