Player Guide

This guide covers the player-facing features in ARS Banking, from checking accounts and cards to savings, loans, investments, and POS payments.

Banking Locations
Managing Your Accounts
Using ATMs
Bank Cards
Transfers
Savings
Loans
Investments
POS Payments
Quick Tips

1. Banking Locations

Banks are located throughout Los Santos and Blaine County. Look for the bank icon on your map.

How to Access

Target System: Look at the bank teller area and select the bank option from the target menu.
Marker System: Walk into the designated bank zone and interact when prompted.

There are 8 bank locations across the map. Each gives you full access to all banking features.

2. Managing Your Accounts

ARS Banking supports multiple account types to organize your finances.

Account Types

Type	Description
Checking	Your primary account for everyday transactions.
Savings	Separate interest-bearing account for longer-term savings.
Shared	Create an account and invite other players to access it.
Job	Society account tied to your job (boss access required).
Gang	Society account tied to your gang (boss access required).

Account Actions

Create Account: Open a new shared account.
Rename Account: Change the name of a shared account for easier identification.
Delete Account: Close a shared account. Remaining funds are returned to your checking account.
View Statements: Browse your full transaction history with filtering and search.

Tip: You can have up to the configured maximum number of personal/shared accounts, and account numbers use an 8-digit format.

3. Using ATMs

ATMs are scattered across the map near gas stations, convenience stores, and busy streets.

ATM Features

Withdraw Cash: Take money from your account. Maximum per transaction is $50,000.
Deposit Cash: Load cash onto a prepaid card.
Check Balance: View your current account balance.
Credit Card Cash Advance: Withdraw cash against your credit limit (3% fee applies).

Accessing an ATM

Walk up to any ATM prop on the map and interact with it. If your server requires bank cards, you must have a bank_card in your inventory.

Card Selection at ATM

When accessing the ATM, you will see a list of your available cards. Select the card you want to use:

Debit cards link to your checking account
Prepaid cards use their independent balance
Credit cards allow cash advances against your credit limit

ATM PIN

When accessing the ATM with a bank card, you will be prompted to enter your 4-digit PIN. You can change your PIN at any time through the Cards section in the bank interface.

Warning: If you enter the wrong PIN too many times, your session will be locked. Contact server staff if this happens.

4. Bank Cards

ARS Banking supports three types of bank cards.

Debit Card

Cost: Free
Linked to: Your checking account
Features: ATM withdrawals, POS payments
Expiration: 5 years

Prepaid Card

Cost: $50 weekly maintenance fee
Balance: Load up to $50,000
Features: Independent balance, POS payments, loading and unloading
Expiration: 4 years

Tip: Prepaid cards are useful for controlled spending or sharing a budget without exposing your main account.

Credit Cards

Credit cards let you spend on credit and pay back over time. Three tiers are available:

Variant	Credit Limit	Weekly Fee
Classic	$5,000	$100
Gold	$15,000	$200
Black	$50,000	$500

Credit card features:

Minimum payment requirements (5% or $50, configurable by server)
Auto-pay support (automatic payments from a linked account)
Payment history tracking
Cash advance at ATMs (3% fee)

Card Management

From the Cards tab in the banking interface you can:

Action	Description
Order Card	Request your main debit card with a PIN.
Create Card	Open a new prepaid or credit card.
Replace Card	Order a replacement for a lost card ($500 debit/prepaid, $1000 credit).
Report Lost/Stolen	Flag a card as lost, stolen, or damaged to prevent misuse.
Change PIN	Update your 4-digit card PIN.
Load Prepaid	Transfer funds onto a prepaid card.
Unload Prepaid	Transfer funds from a prepaid card back to an account.
Freeze/Unfreeze	Temporarily disable a card.
Renew Card	Renew an expired card for a $250 fee.
Manage Auto-Pay	Configure automatic credit card payments.

Card Expiry

Cards expire based on their type. You will see a warning in the UI 30 days before expiry. To renew an expired card, click Renew Card and pay the renewal fee.

5. Transfers

Internal Transfers

Move money between your own accounts instantly and without fees. For example, transfer from your savings account to your checking account.

Open the Transfer tab.
Select the source and destination accounts.
Enter the amount and an optional reason.
Confirm the transfer.

External Transfers

Send money to another player or a society account.

Open the Transfer tab.
Choose External Transfer.
Enter the recipient using any of these formats:
- Account Number: 8-digit number
- Player ID: Server ID
- Job/Gang Name: Example: police, ambulance
Verify the recipient name shown by the lookup.
Enter the amount and confirm.

Tip: You can look up a recipient before sending to verify the account details.

Note: External transfers are subject to a maximum amount limit.

6. Savings

Savings accounts earn interest over time when the feature is enabled in config.lua.

Savings Account Basics

Minimum deposit: 100
Maximum balance: 5,000,000
Maximum per player: 1
Compound interval: daily, weekly, or monthly

What You Can Do

Create a savings account.
Deposit money from checking.
Withdraw money back to checking.
Let interest accrue on the configured schedule.

Tip: Use savings for money you do not plan to spend immediately.

7. Loans

Need funds for a car, business, or emergency? The loan system lets you borrow money and pay it back over time.

Loan Slots

ARS Banking uses a 3-slot system. You can have up to 3 concurrent loans, each in its own slot. The Loans tab shows all 3 slots with their current status.

Applying for a Loan

Open the Loans tab in the banking interface.
Find an empty slot and click Apply.
Choose a loan type: Personal, Business, or Emergency.
Enter the amount, term (in weeks), and purpose.
Submit the application.

An admin will review your application and either approve or deny it. If approved, the funds are deposited directly into your bank account.

Loan Types

Type	Interest Rate	Notes
Personal	8.5%	Standard rate, used as the baseline.
Business	6.5%	Lower rate for business investments.
Emergency	12.0%	Higher rate for quick-access funds.

All loan types share the same amount and term limits configured by the server (default: $1,000 - $100,000, 1 - 52 weeks).

Repaying Your Loan

Automatic Payments: Weekly payments are deducted automatically.
Manual Payments: You can make additional payments at any time to reduce your balance faster.
Late Payments: Missing a payment marks the loan as overdue. Continued non-payment leads to default.

Warning: Defaulted loans may affect your ability to take out future loans on the server.

Loan History

Completed loans appear in your loan history with full details including amount, term, interest rate, total paid, and completion reason.

8. Investments

ARS Banking includes a stock market where you can buy and sell shares in in-game companies.

Available Stocks

Symbol	Company	Base Price
MAZE	Maze Bank	$1,500
FLEECA	Fleeca	$800
LSCS	Los Santos Customs	$2,500
AMMU	Ammu-Nation	$4,200
BINCO	Binco	$300
GRUPPE	Gruppe Sechs	$1,200
MERRY	Merryweather	$3,500
PONS	Ponsonbys	$1,800
BSHOT	Burger Shot	$450

How to Trade

Open the Investments tab.
Browse current stock prices and OHLCV candlestick charts.
Enter the number of shares you want to buy or sell.
Confirm the transaction.

A 1% trading fee is applied to all buy and sell orders, with a minimum fee of $1. Stock prices update every 10 minutes and stay within the configured price bounds.

Portfolio

Your portfolio shows all stocks you currently own, your average buy price, current market value, and profit/loss.

9. POS Payments

Some businesses on the server accept payments through POS terminals.

Paying at a POS Terminal

When an employee initiates a payment, you will see the POS payment interface.
Select which card to use (debit, prepaid, or credit).
Enter your card PIN on the keypad.
Review the amount and confirm the payment.
A receipt is generated with transaction details.

Note: You have 60 seconds to complete the payment before the session times out.

Employee POS Access

If your job has a registered POS terminal and you have boss access, use the /posmenu command to open the terminal. From there you can:

Create payment requests for customers
View transaction history
Look up receipts

Quick Tips

Keep your Account Number (8 digits) handy for receiving transfers.
Review your Bank Statements regularly for unauthorized activity.
Only share account access with players you trust.
Use prepaid cards for controlled spending budgets.
Make extra loan payments to reduce total interest paid.
Monitor your investment portfolio and sell when prices are favorable.
Renew cards before they expire to avoid disruption.

Note: This guide is written by a third party. If you find any incorrect or outdated information, please contact us on Discord so we can update it for you.