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Message: <blockquote data-quote="spongebob1138" data-source="post: 6842058" data-attributes="member: 6795430">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!</blockquote>

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