Banks and how to deal with them

For those players who don't like the idea of carrying around a note, ask them how they get by in this world without checks, credit cards, or bank books: which are really all just one form of note or another.

Now as far as how the bank verifies the identity of the note holder: thats the real crux of the matter. Options should include an arcane mark, a fancy signet ring, or something like that.
 

log in or register to remove this ad

If they are trying to just store their cash, and have no desire to recover it except by showing up where they deposited it, then they don't need to carry a document with them - they'd only need such a document at the time of withdrawal. Bank the cash, stow the document somewhere (or with someone) safe and reliable, and pick it up when you need it.

Since they probably deal face-to-face with the banker, they probably don't even strictly need the document. They are violent hero types, and the banker is probably not going to shaft them unless he feels extremely physically secure from retribution. A verbal agreement may be all that's required.


Nod. Verbal agreement with whoever is storing the loot is how I've done it. So far, the PC's have used a priest of St. Cuthbert in the Keep on the Borderlands, and the church of St. Cuthbert in the capital city where they spend most of their time. They figure LG clerics are trustworthy, and the PC cleric of that religion is the go-between. No need for the PC's to carry records -- the church has its own records and remembers who they are.

Theoretically, they could also have banked with a dwarven jeweler in the capital, or with a dwarven moneychanger/loan shark who has a fortified home near a minor dungeon.

In all cases, it would be a matter of honor and verbal agreements, and only recoverable from the person who was holding onto it for you. The idea of passbooks and so forth would be alien to the nature of the deal, making it too transactional and formal. It's more like petsitting than actual banking.

Oh, also, one of the PC's bought a bar inside the Keep on the Borderlands when she retired from the party . . . a more liquid, yet less easily liquidated, investment. ;)

If they wish to access their money on the road, they need to use a commonly accepted form of documentation.

IMC, I suppose that might be possible using an multinational organization like a Church or the Greyhawk Thieves' Guild, with long advance notice.

But to bring wealth on the road, the usual means are Portable Hole/Bag of Holding, and/or gems.

In one case (at 2nd level), they did have a written document from the ruler, entitling them to stay at inns, and board their horses and themselves as feudal dues. But that's chump change stuff to higher level adventurers.
 

Wow, alot of great response. (Sorry been really busy the last couple of days and haven't had a chance to think about D&D) The concern one player had I think was having the document on him and fear of it being stolen.

Another player suggested he might buy gems as a way of keeping his wealth with him rather than have alot of coins on them. The chance of it being stolen is just as large, much like getting your coin purse stolen. It's just a chance they have to take.

They trust the banks, so that's not the issue. I just thought I would see what people suggest. In my world the magic users are few, hence few magic items and no magical protected banks, unless they go to that dwarven stronghold bank that have their own mage working for them, but then that might not be the best idea seeing as they tried to rob it earlier on.

I like the idea of written document, but the stamped coin is a nice idea as well. I also never thought of doing it through the churches, that's also an interesting idea.

I have great ideas for my games but I don't really have people to bounce the ideas off of to find any holes. I'll have to use you guys more. Thanks for all the great responses.
 
Last edited:

Some banks are too frightening and characters should just run from them.

tyra-banks-scary.jpg
 


Remove ads

Top