Bank

{{#NewWindowLink:w:c:darkscape:Bank|File:DarkScape icon.png}}

For the organisation, see Bank of RuneScape.

 File:Bank Interface.png
File:Bank logo detail.png A **Bank** is a facility that allows players to deposit, store and withdraw their items. It is usually a standalone building, but is sometimes only a chest, or even a non-player character. A Bank Deposit Box allows players to deposit any items in their inventory, but not withdraw items from their bank.

Banks are often popular locations for trading as players are right beside where they can keep most of their money and items. Banks are indicated on the world map with a Dollar (File:Bank map icon.png) icon.

Most banks provide the player with the ability to recover life points at 10% of your total every second upon entering the bank, providing a useful place to recover health quickly after combat. This does not work with bank chests or deposit boxes, or when the player is poisoned or in combat.

## Development history

 File:Varrock bank.png
 File:Rscbankaccount.png
 File:Bankaccount 2006-08-19.png
 File:Bankaccount 2008-07-21.png
The *RuneScape* bank was added on 23 January 2001. Before May 2001, banks in *RuneScape* were only able to store coins. The use of pack mules, or separate accounts made solely to carry items, was common to hold additional items since space was limited. In *RuneScape Classic*, users had much less space. Before *RuneScape Classic* was made members-only, free users had one bank page, while members had four (upgraded from two pages).

The banks in *RuneScape* were originally called the Bank of Varrock (they were all branches of the main bank in Varrock), but the name was changed to the Bank of *RuneScape*.

With the Bank Update and Item Lending update on 14 July 2008, the bank interface was improved to include tabs to organise items, a search function to find any item by name, and a counter to show the available bank space. It also added the ability to repeatedly withdraw/deposit the number of items last entered using **Deposit-x** or **Withdraw-x** (After the update, banking transactions became slower as item withdrawals and deposits take a slightly longer time to complete).

On 29 July 2008, the Item Lending Update introduced the **Withdraw-All but one** option for withdrawals from the bank. With this, players are able to leave one place-holder item in the bank, so that the positioning of the item is not disrupted if the player accidentally withdraws all items. The update also increased the speed of the scroll bar on the bank interface, which has helped to combat the lag after the previous change. It is unknown whether Jagex is aware of the lag in withdrawals and deposits, or whether this slight delay will be fixed in the future.

On 3 March 2009, the deposit-all feature was introduced. Players can dump all items from their inventory, items worn, and items carried by their Beasts of Burden.

10 additional bank spaces were added on 12 April 2010 but were not announced in the news post for the Dungeoneering skill on its initial posting.

On 9 November 2010, the bank system was updated to let players "equip weapons and armour, eat food, fill essence pouches, drink antipoison and energy potions, and much more" without actually having to close the bank interface.

On 6 December 2011 30 free bank spaces were added for members along with the new money pouch and toolbelt.

On 10 May 2012 with the release of bonfires, 10 free bank spaces were added for people who registered their email address.

On 28 August 2012 bank boosters were added to Solomon's General Store. The bank boosters boost bank space by 50. There were 5 bank boosters available to buy, so a total of 250 bank spaces could be purchased.

On 20 November 2012, with the release of the Evolution of Combat, all players' items were unequipped and were put in their inventories or banks if there wasn't space. Jagex added 15 extra bank spaces to ensure that all items would be safe.

On 15 September 2014 five more bank boosters were added to Solomon's General store, adding another 250 bank spaces available for purchase, increasing the total to 500.

On 29 September 2014, a ninja team update made it possible to fill Beast of Burden familiars directly from the bank.

### Addition of the Grand Exchange

After the introduction of the Grand Exchange (on 26 November 2007) banks ceased to be popular centres of trading. Now, most transactions take place within the Grand Exchange.

When the Grand Exchange was released, players could select the \*Collect Banker\* option and the banker would notify players that they did not have a Grand Exchange account. This got new players thinking that the Grand Exchange was for members only.

When the Grand Exchange was added and Varrock bank was moved, some people got stuck inside the Varrock bank, many fixed this bug by simply teleporting out of there while some without required runes or sufficient Magic level had to get a moderator to teleport them out of the bank; This was similar when people got stuck inside the Edgeville bank.

## Bankers

*See main article: Banker*
 File:Banker right click options.png
 File:Banker bank booth.png
* **Bankers**: Allow players to access their Banked items, Grand Exchange collection box, Item Lending return box, and to change PIN settings. Present in nearly every bank (behind a bank booth), including the Grand Exchange (behind a desk). Used to be found at the Wilderness Volcano (before the PvP Wilderness update), as well as in the Fist of Guthix caves (standing with a huge sack). Identifiable by their grey suits, or by a huge sack on their backs (to represent the banked items that they have stored).
* **Other bankers:** There are other races of bankers, such as Ghost banker, Gnome banker, Elven banker, Dwarven banker, etc. They are similar to human bankers, but are from a different race.
* **Grand Exchange clerks**: Allows players to access the Grand Exchange, the collection box, buy/sell history, and item sets. Found only in the Grand Exchange (behind a desk). These are the only NPCs that allow you to open item sets. They are easily distinguishable from bankers by their blue uniforms.

## Bank locations

 File:Ardougne bank logo.png
*See main article: List of bank locations*
There are many banks scattered throughout *RuneScape*, and may be located in the World Map with the chest (File:Bank map icon.png) icon.

Some banking services charge commission. It may be a percentage of what's being deposited, or coins; An example of this is Beefy Bill, who will store players' cowhides and/or raw beef for 10 percent commission, rounded up.

Several banks have inaccessible areas, such as stairs, doors, fences, and basements. It is unclear what is actually in some of these areas.

## Bank facilities

 File:Bank deposit box.png
There are also other facilities that provide banking services to players in *RuneScape*. These facilities are similar to banks, but have limitations in their features.

### Bank Deposit Boxes

*See main article: Bank Deposit Box*
Bank Deposit Boxes allow players to deposit items into their bank without having to enter the Bank PIN; however, players cannot withdraw items. They are available in most banks and in other key locations such as in Port Khazard. The deposit boxes are cylindrical in shape (in the banks). Beefy Bill now replaces the deposit boxes at the Gnomecopter Tours, and can bank flour, cowhides, and raw beef to your bank. However, he charges 10% commission. Bank deposit boxes do not require to type in a bank pin to use them. A common bank deposit is the one in the Dungeoneering resource dungeon in the Falador mining area. A number of random events feature a deposit box of some kind.

### Bank chests

*See main article: Bank chest*
Bank chests allow all transactions similar to a normal banker. Items from the Grand Exchange cannot be collected from these chests except when using the chest in the Gamers' grotto and in the Player-owned port minigame. They vary in colour, and are available in places such as in the Lumbridge Castle cellar (during and after the Recipe for Disaster quest), Al Kharid Duel Arena, etc.

## Transactions

There has been spoken about bank-to-bank trading in this behind the scenes article, but it was not added, maybe because of the near uselessness of it.

When you try to open your bank account while you have lost connection, upon logging in you will see a blank bank screen.

### Deposits

 File:Bank booth.png   File:Bank deposit right click options.png
Players can deposit ("bank") their items in two different ways:

* Using the bank - Players can click "Bank" on the banker to access to their bank account.
	+ Alternatively, the bank booth can be clicked to skip the conversation and access their bank account.
	+ Or, the banker can be right-clicked, and the player may open a conversation with the banker and then request access to their bank account through dialogue options.
* Using a Bank Deposit Box - Players can click on these and deposit items without the need to enter their bank PIN, even if they have only just logged in.

When a player has access to their bank, they can deposit items from their inventory. Players can deposit 1, 5, 10, a custom amount (n), "All", or "X" items in one menu. The "X" option allows a player to specify the quantity of items to be deposited, and lock in the custom amount (n) until another "X" amount selected. This feature is useful for players depositing the same number of items repeatedly, such as during Runecrafting and Fletching.

Some banks charge commission for using their services. The Dwarven Ferryman and Beefy Bill are examples of this.

### Withdrawals

 File:Bank withdraw right click options.png
Players can withdraw their items by either using a bank booth or talking to a banker. The bank account access procedure is similar to the deposit process. Once players have access to their bank account, they can then withdraw the required items. Similar to the deposit process, the player has several options for withdrawals:

* **Withdraw-1**
* **Withdraw-5**
* **Withdraw-10**
* **Withdraw-n** - Withdraws *n* items, where n is a custom amount based on the amount entered in the last "Withdraw-X" transaction.
* **Withdraw-X** - Withdraws X number of items. The "X" option allows a player to specify the quantity of items to be withdrawn, and lock in the custom amount (n) for subsequent transactions.
* **Withdraw-All** - Withdraws all items stored in the bank.
* **Withdraw-All but one** - Withdraws all items (except one). This is useful for storing "placeholder" items, as not to disrupt the positioning of the item. If you withdraw all but one of an item that you only have one of, you get the message "You only have one of this item, so withdrawing all but one does nothing."
* **Withdraw-X to BoB** - Withdraws X number of items to a player's Beast of Burden Familiar if they have one summoned.

### Collection

*See main article: Grand Exchange Collection Box*

Players who are buying or selling items on the Grand Exchange can use the Grand Exchange Collection Box to receive their money they earned or the item they bought.

The collection box is used to collect any cash or items from Grand Exchange trades that have been completed or partially completed. To open the collection box, the "Collect" option is used on the bank booth or the banker. The Collection Box interface shows any completed trade in green. Players with on-going trades (i.e. large quantities or items which are difficult to buy/sell) can also collect their items (or coins) as the trade goes through bit-by-bit.

 File:Grand Exchange collection box.png
With the Item Lending Update, players may now collect cash or items from wandering bankers such as those from the Fist of Guthix minigame.

When the Grand Exchange was first released, there was a rare glitch where players could right click "collect" in a bank and show the Grand Exchange screen, so players could buy and sell items in any bank across RuneScape. This glitch was rare, and it is unknown why only certain accounts had it. This has been fixed.

## Features

### Stacks

*See main article: Stackable items*
Most items stored in the bank are stackable, even if the item does not stack in the inventory. When there are multiple items stored, a number appears to the left of the item indicating the number of items. This number is truncated if it is larger than a hundred thousand (rounded down to the nearest thousand, and symbolised with a "K", meaning kilo or thousand), and if it is larger than ten million (rounded down to the nearest million, and symbolised with an "M" meaning mega, or million).

### Tabs

 File:Tabbed bank New.png
Players have an option to organise their bank items in up to eight separate tabs. The tabbed feature was introduced by Jagex on 14 July 2008, as players found it hard to organise items within the bank. With this feature, items with similar characteristics, such as items used in the Farming skill can be stored in one tab, while Fishing items stored in another. For members, it is recommended to make at least a "Quest" tab, a "Tool" tab and an "Armour & Weapons" tab, as there are lots of items that fall within these 3 categories.

New tabs are created by dragging and dropping items to the "+" icon, creating a new tab. The symbol used for the tab will be the first item stored within the tab, and this symbol changes if the first item stored is changed. The "All" tab (labelled with the infinity symbol) shows all the items in that tab in addition to each of the other tabs, separated by a dividing line.

To remove a bank tab, the tab may be right-clicked and the 'Collapse tab' option selected. In addition, the tab will also be removed if all items within the tab is emptied, or moved into the other tabs.

### Swap or insert

Drag an item on top of another to 'swap' items, drag an item in the space before or after another item to "insert" it.

Swap/Insert toggle button
Before the Quick Presets and Drag & Drop update this was achieved by the **Swap/Insert** toggle button to toggle between swapping and inserting items.

With the "Swap" option, the item (A) was swapped when another item (B) was dragged and dropped onto the item. Conversely the "Insert" option, the item (B) will be inserted in between items (before item A), moving all subsequent other items along one space.

### Search

Search button
 File:Search bank for dragon.png
The **Search** button is used for finding items in the bank. As more and more items are added into the bank, finding a particular item can be hard for some players. With the Search function, the item name (or part of it) can be entered into the Search field, and all other items will be filtered out, leaving items matching the name entered into the Search field. This provides easy access to rarely used items that need to be found quickly.

### Note/Item toggle

*See main article: Note*
File:Note detail.png
Note/Item toggle button
The **Note/Item** toggle button is used to toggle withdrawals between noted form, or item in the original form. Most items within the bank can be withdrawn in noted form. This allows large amounts of *unstackable* items (such as ores and logs) to be withdrawn or traded without taking up a large amount of inventory space. To withdraw the items as notes, players have to click the "Note/Item" toggle button at the bottom of the bank interface. Clicking on this button again (i.e. toggle) allows the player to withdraw items in their original form.

Items in note form cannot be wielded, equipped, or used in most skills. However, they greatly improve trading large amounts of unstackable items. Players can also cast Low Level Alchemy and High Level Alchemy spells on the notes to convert the items into coins.

In *RuneScape Classic*, notes did not exist, but instead players would trade in bulk using certificates, which could only be made for certain items. Certificates were made by bringing the desired items to the "certer" NPCs, instead of simply withdrawing from the bank in certificate form. Every certificate was equivalent to five regular items.

### Dump backpack

Dump backpack button
With the Deposit-all feature and more update on 3 March 2009, the **Dump backpack** button was introduced. This allows players to quickly dump all the items in their inventory.

### Dump worn items

Dump worn items button
With the "Deposit-all feature and more" update on 3 March 2009, the **Dump worn items** button was introduced. This allowed players to deposit the items they are wearing into their bank.

### Dump money pouch contents

Dump Coin Pouch button
With the release of the Barrows Graphical overhaul on 4 January 2012 came with a new option to *deposit Money Pouch contents*. This was tweaked later in the patch notes for 12 January 2012 when the button was moved farther from the bank inventory button. This was because of issues with players accidentally depositing other belongings.

### Dump beast of burdens

Dump BoB button
With the release of Summoning skill, the Beasts of burden are able to carry items for the player. These beasts have inventory spaces, similar to a player's inventory. To dump items carried by these beast, the **Dump BoB** button at the bottom of the bank interface is used. Pressing this button will deposit these items into the bank.

### Bank PIN

*See main article: Bank PIN*
 File:Bank PIN settings.png
The button for setting the Bank PIN
The use of a 4-digit Bank PIN (Personal Identification Number) adds a significant extra layer of security to an account. It is optional, but recommended. Nonetheless, a fair number of players do not do so due to the inconvenience of entering a pin every time they log in to use their bank. Players may use the button located at the bottom of the bank interface to set up a PIN, or to cancel it.

When the PIN is active, players must enter the four-digit number the first time they use the bank, or the Grand Exchange, after logging in. They need not enter it again for as long as they remain logged in.

This means that even if a hacker is able to log in with someone else's username and password, the most they will be able to steal is any wielded items and whatever is in the inventory. They will not be able to access the contents of the bank, the money pouch, or any cash or items on the Grand Exchange without knowing the PIN. However, it is essential that the PIN is hard to guess, as the 4-digit PIN may be known if it is based on common numbers, such as birth dates or numbers within the *RuneScape* username.

A hidden update was made to the bank so that when you put in your bank PIN, it now says "Thanks!" for a second before you see your items.

After an update on February 15 2011, the bank pin will no longer have a delay randomizing the numbers after clicking on a digit, making it slightly faster to get into your bank.

### Equipment Stats screen

File:Bank equip icon.pngFollowing the Bank Op and Equip Screen update update, players can view the equip screen without leaving the bank interface, by clicking the Equipment icon in the top right corner of the bank screen. Here, players can view item stats and change equipment in the same way as the out of bank Equipment Stats screen.

### Presets

 File:Bank presets.png
Following the Quick Presets and Drag & Drop update, the player is able to create and name presets. These are combinations of equipped items or items in the inventory, which are able to be quickly accessed by selecting and using that preset. The bank interface has buttons to open the Preset tab in the Gear interface, and two buttons to open the two quick presets that have been set in that tab.

Presets do not work if there is not enough space in the bank to hold the items attempted to be worn and those being deposited at the same time. It is advised that to utilise bank presets, there should be a decent amount of free slots in the bank to withdraw and deposit items. A full bank will prevent presets from loading properly. An active aura will have the same effect, the aura will need to be removed before a preset can be loaded.

There are two quick presets, and a further three available from the preset menu. Another five can be unlocked for 480 runecoins or 3 bonds each, or "rented" for runecoins, bonds or loyalty points - giving a total possible ten presets.

Another update at around November 2014 allowed players to use a Beast of Burden in presets. It automatically withdraws the desired items to its inventory making bank trips more convenient.

## Bank space

*See main article: Bank organisation*

All players have a limit on how many kinds of items they can hold in their bank. Non-members used to have 68 spaces for item storage but after several updates, each non-member has 83 spaces, and that is increased to 103, provided that they have registered an e-mail address, otherwise the limit is still 83 items. Members have 468 additional spaces for storage, giving an initial maximum of 571 spaces for storage. After buying all the bank boosters from Solomon's General Store, the maximum becomes 1121 spaces.

Players can stack up to 2,147,483,647 (231 minus 1) items of the same type (this includes money, since each coin is considered an individual item), as long as at least one item of that type is already in the bank account.

The large number of different items will rapidly fill up bank space. This requires players to consider carefully what items they really want to keep in their bank. Reducing the number of different but similar items (food, armour, weapons, arrows, runes, bows,etc.) helps to keep the bank tidy.

Even for members, a significantly larger bank space does not mean there is enough space for all kinds of items. In addition to managing the types of items that they keep in the bank, members often need to take measures to organise the items in order to reduce search time. Bank tabs have helped this problem significantly by giving players the option of organising their items in an easy way without all the hassle. The search function also reduces significant time spent searching for rarely used items within the bank.

Bank space tends to clutter up rapidly, as re-depositing a single item after closing the previous bank screen causes the item to be stored in an entirely different location. To avoid this, players can keep multiple items in the bank. For example, a player might keep two rune scimitars in the bank, so that taking one of them out will not affect its bank position. Of course, this does necessitate buying doubles of everything, and can be very costly for expensive items. Additionally, players may only have one of certain items (such as quest items).

Members also have the option of storing some kinds of items *outside* the bank in order to save up bank space. For example, the Costume room of player-owned houses can store certain armour sets, capes and holiday outfits (many of which can be reclaimed from Diango in any case), the bookcases (also in player-owned houses) can store quest-related books, and Tool Leprechauns help to store farming equipment (including compost and supercompost). A lesser-known method is to simply offer items at the Grand Exchange for high prices as a member, and immediately abort the offer, which provides the player with up to six items they can attain back easily from any bank booth or banker in RuneScape. Players using Ava's devices should consider using their ammo slot as storage for the appropriate type of arrow. The tool belt reduces the requirements for a significant number of items and can free up the corresponding bank spaces, as does the Dwarven army axe, and to some extent Barbarian skills.

Strategically using up certain items, or exchanging them for cash frees up spaces. At the same time, regular sale of unwanted but valuable monster drops, Treasure Hunter prizes, skilling products and Kingdoms rewards can also help free up spaces.

Some items can be stored efficiently - packing armour sets reduced them to a single slot, strange rocks can be kept in the pouch, and charged items that do not pool charges should only be fully charged, empty (if rechargeable) and one in current use - for example Glories could take 5 slots, fully charged, 3, 2, 1 and empty; careful planning will ensure there is a at worst stack of full and a stack of empty and one in-between (if this is not being worn it can, at a pinch, be drained before storing). Slayer gems only cost 1 coin, so if space is tight they can be dropped, and re-bought when time comes to re-stock on slayer rings - in extremis any part charged ring can be dumped.

Using a decanting service for potions and charged jewellery can save a lot of space, by only keeping potions and jewellery with the same amount of doses/charges.

The Wise Old Man in Draynor will advise on which quest/Diango items can safely be disposed of.

**NOTE:** If a player's membership has expired, some F2P items may take up space on their member bank space. Therefore they will be able to take F2P items out, but not replace them (however they can deposit and withdraw member items, provided they have enough member space). When F2P items are taken out, they are taken out from member bank space. They must clear out their bank until the F2P bank spaces are under the limit. Member's items are placed into a different category, and do not take up F2P bank space.

The maximum number of items the bank could hold would be 1,226,213,162,437 (and 1,763,084,074,187 with Solomon Store upgrades). Should this happen, a player would need to have 2,147,483,647 of every item in their "full" bank account.

## Bank withdrawal shortcuts

When withdrawing from a bank, the player can use the shortcuts "k" and "m". They stand for "kilo" and "mega", the metric prefixes for "thousand" and "million", respectively. A player who wants to withdraw "1,000,000" coins for instance, you may simply type "1m". The shortcuts work with any number that doesn't go over the item limit, the shortcuts do not work together however, so if you wanted to withdraw 1 thousand million (1,000,000,000. Or 1 billion) you would not be able to type '1km' or '1mk'. No other shortcuts exist than 'k' and 'm' at the current time.

## References

1. ↑ 1.0 1.1 Jagex. "Bank Update and Item Lending." 14 July 2008. *RuneScape* News.
2. ↑ Jagex. "Item Lending Update." 29 July 2008. *RuneScape* News.
3. ↑ 3.0 3.1 3.2 Mod Fetzki. "Deposit-all feature and more." 3 March 2009. *RuneScape* News.
4. ↑ Jagex. "The Grand Exchange." 26 November 2007. *RuneScape* News.

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