spongebob1138
Explorer
So, I'm a pretty new DM, and the PCs are getting to the point where they've got a decent amount of coin jingling around in their bags. I'm feeling like I need to have an option for banking/storage of funds. I posted on a 5e Facebook group and gathered some input there, but here are my thoughts. Please tell me what you think.
As my campaign in set in the FR, I was thinking about setting up the Church of Waukeen as a basic banking institution. For a fee (7 percent? 10 percent?), a PC could exchange coin for a letter of credit, somehow enchanted or marked to protect from forgery/counterfeiting, that could be used to retrieve coin in a different city. A withdrawal of coin would not incur an additional fee, but a deposit of additional funds would require the same 7-10 percent fee. The letter of credit would be updated after a transaction.
I know there will be questions/complications with this, and it's not 100 percent realistic. Like, wouldn't the churches of Waukeen get robbed all the time? Maybe the funds aren't kept there. Maybe a network of portals or something?
Anyway, please tell me what your thoughts are and/or what you do in your games. I'm just looking for a basic mechanism so the players don't walk around with 10-20 pounds of coin in their sacks. Even if they converted it to platinum or gems, it still wouldn't be wise to carry all your money with you all the time!
As my campaign in set in the FR, I was thinking about setting up the Church of Waukeen as a basic banking institution. For a fee (7 percent? 10 percent?), a PC could exchange coin for a letter of credit, somehow enchanted or marked to protect from forgery/counterfeiting, that could be used to retrieve coin in a different city. A withdrawal of coin would not incur an additional fee, but a deposit of additional funds would require the same 7-10 percent fee. The letter of credit would be updated after a transaction.
I know there will be questions/complications with this, and it's not 100 percent realistic. Like, wouldn't the churches of Waukeen get robbed all the time? Maybe the funds aren't kept there. Maybe a network of portals or something?
Anyway, please tell me what your thoughts are and/or what you do in your games. I'm just looking for a basic mechanism so the players don't walk around with 10-20 pounds of coin in their sacks. Even if they converted it to platinum or gems, it still wouldn't be wise to carry all your money with you all the time!