You walk into the massive structure that is the First Private Bank of Arete. Business is bustling all around. An attendant approaches you and says "Welcome to the First Private Bank of Arete. A banker will be with you shortly. For now you can wait over here. The ledger to your left may be of some use." The ledger reads: The Private Bank of Arete Services and Sales Savings Accounts Savings accounts are accounts that gain higher interest in exchange for being able to withdraw smaller amounts of money per turnchat. The interest rates are as follows. (Rates compounded once per turnchat.) 2.0% - Allowed to withdraw 75% of account per turnchat. 2.4% - Allowed to withdraw 66% of account per turnchat. 2.8% - Allowed to withdraw 50% of account per turnchat. 3.5% - Allowed to withdraw 25% of account per turnchat. Checking Accounts Checking accounts allow money form a savings account to be automatically withdrawn and deposited to the Aretan Royal Treasury, instead of the customer having to withdraw money from the PBA and then deposit it into the ART. A checking account is not it's own separate account, just an add on. For checking accounts, all money deposited by others to the customers account will be charged a handling fee of 5%. All withdrawals made by others from the customers account will be charged 5%. Personal Bankers The PBA also offers customers they're own personal bankers and bookkeepers. While this is very popular with business owners, it is also useful when it comes to personal banking. To enlist the services of a Personal Banker, please talk to one of our associates. Loans Loans are worked out on a case by case basis, however we do issue maximum loans exceeding the maximums at the Aretan Royal Treasury.