Chapter 149: The Bank of Savannah

    Derek and Stella passed Jacks on the way out. After explaining what they were up to, Jacks left to go see what the rest of the group had been up to all day.

    The walk was short, as the bank was only a few businesses down from the Crown Restaurant. Derek followed Stella inside a building almost as tall as the hotel, but just as grand. Inside, there were multiple desks with workers, and one big counter at the back with people lined up.

    Do you have at least 1,000 gold on you right now? Stella asked.

    Derek nodded. Yeah.

    Good. Follow me. She led Derek to one of the desks with a worker seated behind it.

    The worker looked up from the desk to see Derek and Stella approaching. Ah, Miss Brighton. How may I help you today?

    Jared, this is Derek Hunt. She motioned to Derek. He needs to open an account with the bank today. We are in partnership, and it would make our lives much easier if he had one.

    I see. Jared replied, then motioned to a seat across from him. Mr. Hunt, please have a seat and I will get you taken care of momentarily.

    Derek sat. Thank you.

    Stella put her hand on Dereks shoulder. Ill be back shortly. There are some accounts I need to take care of while Im here.

    Okay.

    Soon after Stella left, Jared finished signing some documents and put them away. Good afternoon, Mr. Hunt. Do you know what sort of account you would like to open today?

    What kind of accounts do you have? Derek asked.

    We have business and personal accounts, with varying tiers of each. So, to get started, would you like your account to be business or personal? The man asked.

    Personal, but I may open a business account at some point. Am I right to think that I can give access to the business account to multiple people.?

    Jared nodded. That is correct. Any party indicated by you would have access.

    Thats good. Derek said.

    Now, what tier account would you like? Tier one accounts are for those who wish for an easy place to safely store what little money they have. The limit to this tier is 100 gold, and it costs 50 silver a year to maintain. Jared explained.

    Ill be dealing in the tens of thousands of gold. Derek said.

    I see. That leaves tier three and tier four accounts, but being in business with the Crown, I suspect you will want to open a tier four one. The minimum you must have to open the account is 1,000 gold. There is also a 1,000-gold insurance and maintenance fee. However, there is no maximum limit on the account. The account draws a .005 percent monthly interest for the holder, so, with enough funds, it is possible to negate the account cost. Jared explained.

    Derek did some quick math in his head before replying. Do you have a lot of customers with over 200,000 gold in their accounts?

    The man nodded. We do, as we are the only bank in the kingdom, and we are backed by Savannah. You are paying for the safety and insurance of your money, along with ease of use.

    Derek nodded. He knew how banks worked, and this one didnt seem to be all that much different. It didnt seem like they had a savings account, though. Derek decided to ask. Do you not have a savings account?Ne/w novel chapters are published at novelhall.com

    If you would like to open a business account in the future or take out a loan, you can come back to me or one of the other workers here. He explained. Same for adding others to the account.

    Will do. Derek said.

    Please wait here for a moment. Jared took the pile of gold and stood. He walked past one of the counters and into a closed room. Two minutes later, he came back. I have deposited your gold. Inject your mana and look at the side of the card.

    Derek did so. Instantly, the mana was absorbed and a blue 4,000 appeared on the side of the card, near the top.

    The top row is gold, the middle is silver, and the bottom is bronze. If you lose your card, there is a 200 gold replacement fee for tier four members. The man said.

    Derek nodded. Sounds good.

    Now, this card has built in runes to transfer the balance to other cards. Take a look at the other side when you inject your mana.

    Derek did, and multiple strange symbols appeared on the other side of his card.

    When you wish to transfer, all you have to do is activate the cards runes, then, while touching the other persons card with yours, will the amount to be transferred. Both parties must be willing the same amount or the transfer will fail. Jared explained.

    That seems easy enough. Derek said.

    Congratulations! You are now a member of the Savannah Bank. Jared smiled.

    Derek put the card away and reached out to shake the mans hand. Thanks for all your help.

    The man took his hand and shook it. It was my pleasure. Please come see me if you have any questions or concerns.

    With that, Derek stood and walked back outside. He waited against the wall for Stella to come out. After around ten minutes of waiting, she finally appeared through the doors of the bank.

    Sorry about that. It took longer than expected. Stella said.

    No worries.

    So, did you get everything you needed? She asked.

    I set up a personal account. Ill come back if or when I need to make a business one. He answered.

    Thats good. Did he teach you how to transfer?

    Yeah. Derek pulled out his new card. How much was it again? He asked.

    13,465 gold. She answered as she pulled her own card out and activated it.

    Derek activated his card and placed its rune side against the one in Stellas hand. He thought about taking that amount from her card, and instantly, both cards glowed blue, then stopped. When he checked his balance again, the number read 17,465.

    He let out a breath. Thats going to make life a little more simple.