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{{#seo:
|title=Bank and Transfer Limits - CIT Wiki
|description=Guide to CIT banking, ATMs, Mobile ATM, money transfers, PINs, cash limits, and weekly send and receive limits.
}}

= Bank =

'''Bank''' is the money storage system in CIT. It is where players store money safely instead of carrying it on hand.


== How to use the bank ==

Use `/atm` or an ATM marker to open the ATM GUI. You can deposit, withdraw, transfer money, check your balance, use PIN protected withdrawals, find ATMs with `/batm`, and use `/mobileatm` after unlocking Mobile ATM.

Useful controls:

* `/bankbalance` checks your bank balance.
* `X > Bank Balance` checks your bank balance.
* `/batm` or `X` click yourself, then `Blip ATMs`, marks the nearest ATM.
* Right click `Deposit` inside an ATM to deposit all cash on hand.
* `Show Players` lets you choose an online transfer target.
* Typing an account name lets you transfer to an offline player.
* Bank transfers can include a transfer note unless the sender is muted.

== Limits ==

<div class="cit-table-scroll">
{| class="wikitable"
! Limit type
! Value
|-
| Cash on hand
| `$90,000,000`
|-
| Bank storage
| No documented limit
|-
| Receive limit, under `20` hours
| `$20,000,000` per week
|-
| Receive limit, under `80` hours
| `$100,000,000` per week
|-
| Receive limit, under `400` hours
| `$250,000,000` per week
|-
| Receive limit, under `1000` hours
| `$400,000,000` per week
|-
| Receive limit, `1000+` hours
| `$500,000,000` per week
|-
| Send limit, no DL
| `$400,000,000` per week
|-
| Send limit, `DL1`
| `$500,000,000` per week
|-
| Send limit, `DL2`
| `$600,000,000` per week
|-
| Send limit, `DL3`
| `$700,000,000` per week
|}
</div>
== PIN and Mobile ATM ==

Use `/setpin newPIN` to set a bank PIN from `10` to `9999`. If you already have a PIN, use `/setpin newPIN oldPIN`.

Complete the `Safe Online Banking` course in `/courses` to unlock Mobile ATM. Then use `CITPhone > Mobile ATM`, `/mobileatm`, the top left `Mobile Banking` X button, or `X` click yourself, then `Mobile ATM`.


== Bank Uses ==

The bank is used for:

* storing money safely
* depositing money
* withdrawing money
* transferring money to other players
* checking your balance

The bank has:

* no storage limit

Your cash on hand does have a limit.

== Storing money ==

The bank is the safe place to store your money.

Important points:

* the bank stores money safely with no limit
* you can only carry up to <code>$90,000,000</code> on hand
* money kept in the bank stays safe if you die or get arrested
* money carried on hand can be lost in those situations

Because of that, larger amounts should be kept in the bank instead of on hand.

== How to open the bank ==

You can open the bank by:

* using <code>/atm</code>
* standing in any ATM marker

To find the nearest ATM, use:

<code>/batm</code>

== ATM GUI ==

The ATM GUI shows:

* your balance
* Deposit
* Withdraw
* Transfer
* Show Players

This is the main bank panel used for normal banking actions.

== What you can do in the bank ==

The bank system lets you:

* deposit money
* withdraw money
* transfer money
* check your balance
* use PIN protected withdrawals

== Checking your balance ==

To check your bank balance, use:

* <code>/bankbalance</code>
* the ATM GUI

== Depositing money ==

To deposit money:

* open the ATM GUI with <code>/atm</code> or an ATM marker
* use the deposit option
* enter the amount you want to store

Depositing moves money from your hand into the bank.

== Withdrawing money ==

To withdraw money:

* open the ATM GUI with <code>/atm</code> or an ATM marker
* use the withdraw option
* enter the amount you want to take out

Withdrawals can be protected with a PIN code.

== Money transfers ==

The bank can also transfer money to other players.

To send money to another player:

* open the ATM or Mobile ATM GUI
* enter the amount
* use '''Show Players''' to choose an online player
* or type the player's account name in the account box
* press '''Transfer'''

You can also transfer money to:

* offline players, by typing their account name directly

== Transfer limits ==

Bank transfers use [[Weekly Limits|weekly limits]].

=== Weekly receive limits ===

<div class="cit-table-scroll">
{| class="wikitable"
! Playtime
! Weekly receive limit
|-
| Less than <code>20</code> hours
| <code>$20,000,000</code>
|-
| Less than <code>80</code> hours
| <code>$100,000,000</code>
|-
| Less than <code>400</code> hours
| <code>$250,000,000</code>
|-
| Less than <code>1000</code> hours
| <code>$400,000,000</code>
|-
| <code>1000+</code> hours
| <code>$500,000,000</code>
|}
</div>
=== Weekly send limits ===

<div class="cit-table-scroll">
{| class="wikitable"
! Donator level
! Weekly send limit
|-
| No [[Donator Level]]
| <code>$400,000,000</code>
|-
| <code>DL1</code>
| <code>$500,000,000</code>
|-
| <code>DL2</code>
| <code>$600,000,000</code>
|-
| <code>DL3</code>
| <code>$700,000,000</code>
|}
</div>
== Why transfers may not work ==

A transfer may fail if:

* you reached your weekly send limit
* you do not have enough money
* you have transfer restrictions from rule violations

Players may also be unable to receive money if:

* they reached their weekly receive limit
* they have transfer restrictions from rule violations

To check your send or receive limit, use:

* <code>B</code>
* open '''[[Event Times|Event times]]'''

== Mobile ATM ==

The bank can also be used through `Mobile ATM`.

To unlock it:

* complete the '''Safe Online Banking''' course in <code>/courses</code>

After unlocking it, you can use:

* <code>CITPhone > Mobile ATM</code>
* <code>/mobileatm</code>

`Mobile ATM` can be used for the same banking functions such as:

* checking balance
* transferring money
* other ATM actions

== PIN code ==

A PIN code protects bank withdrawals.

To set or change your PIN, use:

<code>/setpin</code>

The PIN system is used to add extra protection when withdrawing money from the bank.

== Protecting your money ==

To protect your money:

* bank money often
* set a PIN

== Commands ==

<div class="cit-table-scroll">
{| class="wikitable"
! Command
! Use
|-
| <code>/atm</code>
| Open the ATM GUI
|-
| <code>/batm</code>
| Find the nearest ATM
|-
| <code>/bankbalance</code>
| Check your bank balance
|-
| <code>/mobileatm</code>
| Open Mobile ATM after unlocking it
|-
| <code>/setpin</code>
| Set or change your bank withdrawal PIN
|}
</div>
== Bank Notes ==

* The bank has no storage limit.
* Hand cash is limited to <code>$90,000,000</code>.
* Banked money stays safe if you die or get arrested.
* ATM markers and <code>/atm</code> both open the same banking system.
* `Mobile ATM` must be unlocked first.


== Related notes ==

* Bank transfers can include a transfer note unless the sender is muted.




== ATM PIN setup ==

First time PIN setup:

* <code>/setpin newPIN</code>

PIN range:

* <code>10</code> to <code>9999</code>

Changing an existing PIN:

* <code>/setpin newPIN oldPIN</code>


== See also ==

* [[PIN Code]]
* [[Mobile ATM]]
* [[CITPhone]]
* [[My History]]
[[Category:Economy and Trading]]

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