Bank

The Bank is a location in the Hub World where the Banker NPC resides. Talking to him will allow the Player to make interactions with their account, including withdrawals and deposits.

Functions
The bank allows players to store to prevent their loss on death, earn interest through deposited coins, withdraw coins, and use the Vault. The Vault can be used to store items.

Tasks
This text is shown when a player enters for the first time.
 * Talk to the.
 * Store your to keep them safe.
 * Earn interest on your.

Locations
The bank's main location is on the Hub Island. The bank may also be accessed in Jerry's Workshop and the Dwarven Mines.

The Bank can also be accessed by the Player even when they are not at a physical location. The Emerald tier VI collection rewards the Personal Bank Upgrade, which allows the Player to interact with the bank through the SkyBlock Menu or a physical item.

Trivia

 * Even though the Bank has a Vault (made of Iron blocks), the structure's architecture makes it impossible for it to contain anything inside it. This is confirmed by the fact that all of the Bank's Gold is scattered on the shelves, strewn outside of the bank, and even stored on the roof.
 * Currently, a maximum of can be stored in a single bank account unless the player upgrades the bank account to higher tiers.
 * A full bank at the starter level makes 8,064 coins in interest per hour. Depending on market conditions this is about equal to 2 minion slots, which makes banking coins a viable alternative to unlocking more slots later in the game. As a rule of thumb, if a new slot would cost more than 5m to unlock and the bank is below the interest cap, the player is better off banking instead of getting more slots. This doesn't consider skill XP or collection unlocks from minions, however.
 * Assuming max interest and a cost of per enchanted gold block, the time taken for each bank upgrade to pay off is as follows. The first bank upgrade takes about 135 days to pay off; the second upgrade takes about 284 days; the third takes upgrade 910 days; and the final upgrade takes 846 days to pay off (less than that of the third upgrade). Note no matter what upgrade the player has, once the player buys an upgrade, these will constantly be working towards making money back.
 * Once the bank upgrade pays off, the player will start making a profit equal to the difference between the tier purchased and the previous tier every 31 hours.
 * When Diaz is mayor, all interest rates are increased by 25% (Multiplied by 1.25).