🏦 MC-Banking

A full-featured banking, economy, and finance mod for Minecraft. Create banks, open accounts, use ATMs, invest in stocks, take out loans, run businesses, and more — all with immersive pixel-art UIs and realistic mechanics.

✨ Features

🏧 ATMs

Place ATMs anywhere — link them to a bank network with the Network Configurator
Insert your debit card (hold it and right-click) to access your account
Withdraw cash with a bill selector — choose exact denominations ($1, $5, $10, $20, $50, $100)
Check balance, transfer funds, deposit cheques, view transaction history, print receipts
ATMs inside bank zones offer full services (deposits, cheques, loans, stocks)
ATMs outside bank zones (e.g. train stations) offer withdrawals, transfers, and balance only
Bank branding — ATM header shows bank color and emoji logo
Out-of-network fees when using another bank's ATM

🧑‍💼 Bank Tellers

NPC tellers inside bank zones provide full banking services
Open accounts, get debit cards, set PINs, deposit/withdraw, transfer funds
Each bank is independent — you need a separate account at each bank
PIN is masked with bullet characters for security

🗺️ Bank Dashboard

Use the Bank Dashboard item to manage your banking empire
Create bank areas on a live world map with click-to-place corners
Set bank colors, emoji logos, ATM fees
Create branches that auto-name from nearby MTR stations
View all clients and their account statistics (balance, savings, loans, stocks)
Branch numbering system (e.g. ENB-B1, ENB-B2)

💻 Bank Computer

Place inside a bank zone for staff and owner management
Overview tab: network ID, rating, ATM fee, bank funds, accounts, staff count
Hire/fire staff, clock in/out system, dispense ATMs and computers
View all ATMs on your network with coordinates and location names
Stock market access for all users
Staff roles: Teller, ATM Technician, Branch Manager, Owner

💳 Debit Cards

Three card styles: Classic Blue, Gold Premium, Midnight Black
HUD overlay shows card details when held (bank name, card number, expiry, holder, account ID)
Cards are bank-specific — one per bank
PIN required at ATMs

💼 Business Accounts

Open a business account at any teller
Issue employee cards with daily spending limits (or unlimited)
Pre-generated PINs shown to the owner for distribution
Deactivate/reactivate cards without revoking them
Employees get decline messages: "Card declined — deactivated. Please contact [Business]."
Full business overview screen with employee cards, PINs, and transaction history
Deposit cash, cheques, or transfer from personal account
Rename business, close account (issues cheque for remaining balance)

📈 Stock Market

Stocks now based on player business accounts like:
- MINE (MineCorp) — price driven by blocks mined
- SLAY (SlayerInc) — price driven by mob kills
- CRFT (CraftWorks) — price driven by items crafted
- POP (PopIndex) — price driven by players online
Buy and sell shares from the teller, ATM (bank zone), or bank computer
Portfolio tracking with real-time price changes
Prices update every quarter in-game day

💰 Loans

Apply for loans based on your credit score (300–850)
Credit score improves with paid-off loans, drops with missed payments
5% interest per in-game day, 10% minimum payment
Account freezes after 3 missed payments
Check loan status, remaining balance, and credit score at any time

🏦 Savings & Interest

Move money between checking and savings accounts
Savings earn 0.1% interest per in-game day (minimum $10 balance)

💸 Cheques

Write cheques to other players from a cheque book ($5 at the teller)
Deposit at teller (instant) or ATM (30% immediate, 70% on 5-day hold for large amounts)
Cheque HUD overlay shows recipient, amount, and signer when held
Issued on account closure with full remaining balance

🔄 Cross-Network Transfers

Transfer between different banks with a 3% + $2 conversion fee
Automatic detection — same network = free, different network = fee applied

💵 Physical Cash

Coins: 5¢, 10¢, 25¢
Bills: $1, $5, $10, $20, $50, $100
Deposit cash at tellers or bank-zone ATMs
Withdraw as specific bill denominations with the bill selector

🏢 Bank Health & Ratings

Banks are rated A+ to F based on operating funds, staff, accounts, and loan defaults
Distressed banks show warnings at ATMs with withdrawal limits
Bankrupt banks freeze all accounts — players receive insurance payouts (80% up to $500)
Other banks can acquire bankrupt banks

💼 Payroll

Staff get paid automatically when clocked in
Teller: $5, ATM Tech: $7.50, Branch Manager: $10 per half in-game day
Paid from bank operating funds

🏛️ Taxes

2% tax every 7 in-game days on accounts over $50
Exempt accounts below threshold
Tax revenue goes to server treasury

🔫 ATM Robberies

Attempt to rob ATMs (35% success rate)
Success: steal $50–$500 in cash, speed boost to escape
Failure: $100 fine, slowness, glowing for 30 seconds
3 in-game day cooldown, alerts nearby players and bank owner

🚂 MTR Integration

Ticket machine override — pay for train tickets with cash or bank balance instead of emeralds
Branch auto-naming from nearest MTR station
ATM location names from MTR stations in the bank computer

🗺️ Squaremap Integration

Bank areas shown as colored rectangles on the web map
Bank icons at area centers with hover tooltips
Branch numbers displayed

## 📦 Dependencies

| Mod | Required? |
|-----|-----------|
| [Fabric API](https://modrinth.com/mod/fabric-api) | ✅ Required |
| [Special Model Loader](https://modrinth.com/mod/special-model-loader) | ✅ Required (OBJ block models) |
| [MTR](https://modrinth.com/mod/mtr) | ❌ Optional (ticket machine + station names) |
| [Squaremap](https://modrinth.com/mod/squaremap) | ❌ Optional (web map markers) |
| Decocraft | ❌ Optional (ATM block compatibility, disabled by default) |

---

## ⚙️ Configuration

Config file: `config/mc-banking.json`

```json
{
  "ticketMachineOverride": true,
  "decocraftAtmCompat": false,
  "decocraftAtmBlockIds": ["decocraft:atm", "decocraft:atm_machine"]
}

Option	Default	Description
`ticketMachineOverride`	`true`	Replaces MTR's ticket machine UI with MC-Banking's payment screen
`decocraftAtmCompat`	`false`	Right-clicking Decocraft ATM blocks opens MC-Banking ATM
`decocraftAtmBlockIds`	`["decocraft:atm", ...]`	Block IDs that act as ATMs when compat is enabled

🎮 Getting Started

Create a bank — Use the Bank Dashboard item to define a bank area on the map
Place a teller — Spawn a Bank Teller NPC inside your bank area
Open an account — Right-click the teller and choose "Open an account"
Get a debit card — Choose your card style and set a PIN
Place ATMs — Use the bank computer to dispense ATMs, then link them with the Network Configurator
Start banking! — Hold your card and right-click any ATM

🔌 Developer API

MC-Banking provides a full API for other mods to integrate with the economy system.

Getting Started

import com.banking.mod.api.BankingAPI;

BankingAPI api = BankingAPI.getInstance();

Personal Banking

// Check balance (in cents — $5.00 = 500)
long balance = api.getBalance(playerUuid);
long savings = api.getSavings(playerUuid);

// Deposit / Withdraw
api.deposit(playerUuid, 500, "MyMod", "Quest reward");
api.withdraw(playerUuid, 250, "MyMod", "Shop purchase");

// Charge (alias for withdraw with clearer intent)
api.charge(player, 200, "TollMod", "Bridge toll");

// Flexible charge — tries cash first, then bank balance
api.chargeFlexible(player, 500, "MarketMod", "Stall fee", true);

// Pay in physical cash notes
api.payCash(player, 13700, "WageMod", "Weekly wage");

// Transfer between players
api.transfer(fromUuid, toUuid, 1000, "TradePlugin");

Business Cards

// Charge a business card — returns null on success, or decline reason
String error = api.chargeBusinessCard(playerUuid, 2500, "Office supplies");
if (error != null) {
    // "Card declined — deactivated. Please contact Acme Corp."
    // "Card declined — daily spending limit reached."
    // "Card declined — insufficient business funds."
    player.sendMessage(Text.literal(error), true);
}

// Check card status
boolean hasCard = api.hasActiveBusinessCard(playerUuid);
long remaining = api.getBusinessCardRemaining(playerUuid);
String bizName = api.getBusinessName(playerUuid);

Cash & Inventory

// Count physical cash in player's inventory
long cash = api.getCashInInventory(player);

// Remove cash items from inventory
long removed = api.takeCashFromInventory(player, 1000);

Transaction History & Hooks

// Read history
List<TransactionEntry> history = api.getHistory(playerUuid);

// Post a note (no money moved)
api.postNote(playerUuid, "LoanMod", "Loan application approved");

// Hook into every transaction
api.onTransaction((uuid, entry) -> {
    if (entry.type.equals("WITHDRAW") && entry.amountCents >= 1000) {
        System.out.println(uuid + " withdrew " + entry.getFormattedAmount());
    }
});

Dependency Setup

dependencies {
    modImplementation fileTree(dir: 'libs', include: ['mc-banking-*.jar'])
}

// fabric.mod.json
{ "suggests": { "mc-banking": "*" } }

All API methods must be called on the server thread. Full documentation in DEBIT_API.md.

📁 Data Storage

All banking data is stored per-world in the world/mc-banking/ folder. Files are automatically migrated from the server root on first load if upgrading from an older version.

📋 Minecraft Version

Minecraft: 1.20.4
Mod Loader: Fabric
Java: 17+


## 📜 License

© 2025 MC-Banking. All rights reserved.

- ✅ You may use this mod on any Minecraft server (commercial or non-commercial)
- ✅ You may include this mod in modpacks with credit
- ✅ You may use the API to build integrations
- ❌ You may NOT redistribute this mod outside of Modrinth without permission
- ❌ You may NOT decompile, modify, or rebrand this mod and claim it as your own
- ❌ You may NOT sell this mod or any modified version of it

**Credit required:** If you include MC-Banking in a modpack or use it on a public server, please credit "MC-Banking by RecklessMetro" with a link to the Modrinth page.

MC-Banking

Compatibility

Minecraft: Java Edition

Platforms

Supported environments

Creators

Details