Banking

IntergalacticBank.pngSo, just where do characters put the currency they’ve made? If they don’t make much (less than 15 Falcons a year), they may act like most folks and simply stash it in the mattress or in the flowerpot; the hassle of dealing with a bank for this small sum is probably more than the effort is worth. However if more money is made, then a bank is the only safe place to keep it – unless the space traveler has a castle with a retinue of guards to protect his stash.

In the Galactic Imperium, characters go to a bank to secure their money, not to invest it; after all, large quantities of coin can cause a lot of trouble. They have five major options: the Shoqëri Guild Bank, the Monk Militas, the Imperial Bank, the Arius Guild and Prolimetri Noble/ Sectus coffers.

The Shoqëri Guild Bank is the largest bank in the Galactic Imperium, with branches on every world. Currency deposited in the Guild Bank – generally, the Guild charges 5% of deposits – is accessible at any of its branches in these times of peace, though remote branches will charge additional fees. (That has not always been true in times of war.) Money in the Guild Bank is very secure; it is the daring thief indeed who steels from the Shoqëri Guilds, though it has been done.

The Monk Militas bank began when the Order kept money safe for pilgrims, but it is now the second-largest bank in existence. The Monks charge 10% of deposits, and money in Monk Militas coffers is available from any Monk Militas bank branch – which is to say on every planet. Stealing from the Monk Militas is just a bad idea; so far, no one has ever survived an attempt.

The Imperial Bank, founded by Chryselios, is the youngest bank, and it charges only 3% of deposits. Unfortunately, the Imperial Bank presently only has branches on Capital Secundus, and three other core Imperium worlds – though they are expanding.

The Arius’ Guild is not officially in the banking business, but as the banks above often ask questions potential clients might not want to answer they have quite a following among the criminal class. The fee the Money Dealers charge is directly proportional to the power of the Arius keeping the money safe, and also bears a direct relationship to the security of the funds: with the Arius, you get what you pay for. Keeping money with the local Arius capo might be as little as 2-3%, but securing any meaningful sum is going to run 15-25% of the total sum.

Noble Prolimetri Houses will also keep money safe for their family members, as will the local Cathedral for priests in the area – and neither charges any fee for the privilege. There is a catch, however; in both cases, there is the possibility that funds might be withdrawn by someone besides the person who deposited them. Siblings have been known to drain the accounts of their family on many occasions, and the local parish priest may borrow from monies entrusted to the sacristy to cover needed improvements to his temple or even just gambling debts incurred when the All-Maker was looking the other way. Still, it’s safer than just stuffing ’falcs under a mattress.

Banking

Silver Age Beyond brightwyrm