The family bank is shared cash, separate from each member's personal cash and bank account. Manual contributions and applicable family tax increase this shared balance. Technology and territory actions can spend it.
Members deposit a chosen positive amount from their available cash. Depositing transfers that amount into the shared bank; it is not a personal savings deposit with an automatic withdrawal right.
Withdrawing requires the Family Bank permission. An authorized member can pay themselves or another current member of the same family. The server checks the shared balance and the recipient's membership before paying. A player outside the family cannot receive this withdrawal.
The full authorized amount leaves the family bank. Outstanding default loan debt can garnish the receiving member's incoming cash, so their cash increase may be smaller.
The bank ledger distinguishes deposits, withdrawals and automatic tax entries. Family activity records identify discretionary payouts. Review these records alongside the current balance when assigning funds for technology or territory. Grant bank access only to members entrusted with shared spending.
Mechanics checked against executable game code on 18 September 2026.