VIP Banking System - Advanced Financial Management & Economy System for FiveM

Transform your server's economy from basic cash transactions into sophisticated financial gameplay with VIP Banking - the comprehensive banking system featuring multiple account types, wire transfers, business accounts, loans with interest, investment portfolios, ATM networks, and complete mobile banking integration. This professional financial management system replaces simplistic money menus with realistic banking including checking and savings accounts with different interest rates, secure wire transfers between players, dedicated business accounts for companies and societies, loan applications with credit checks and payment plans, investment opportunities generating passive returns, full-featured ATM machines across the map, transaction history logging, and mobile banking apps for on-the-go financial management. Perfect for economy-focused roleplay servers wanting sophisticated financial systems that create strategic money management gameplay.

What's Included

This complete banking ecosystem provides every financial service modern players expect. You'll get multiple account types including standard checking for daily transactions and high-yield savings earning interest over time, wire transfer systems enabling instant money movement between player accounts domestically or internationally, dedicated business banking with separate accounts for companies and societies preventing personal/business fund mixing, comprehensive loan systems with credit applications, approval processes, interest calculations, and scheduled payment plans, investment portfolios where players allocate money into stocks, bonds, or crypto earning variable returns, extensive ATM networks positioned strategically around the map for 24/7 banking access, complete transaction history with detailed logging of all deposits, withdrawals, transfers, and payments, mobile banking apps integrated with phone systems for account management anywhere, overdraft protection and fee systems, check writing capabilities, savings goals tracking, and full administrative controls for managing server economy.

Key Features

• Multiple Account Types - Checking accounts for daily use and savings accounts earning interest rates, with configurable minimum balances
• Wire Transfer System - Send money instantly between player accounts with transfer limits, fees, and confirmation requirements
• Business Account Separation - Dedicated accounts for companies, societies, and organizations keeping business finances separate from personal
• Comprehensive Loan System - Apply for loans with credit checks, approval workflows, interest rate calculations, and automated payment schedules
• Investment Portfolios - Allocate money into investment vehicles earning passive returns with market fluctuation and risk levels
• ATM Network Integration - Deposit cash, withdraw funds, transfer money, check balances, and view statements at machines across the map
• Complete Transaction History - Detailed logging of all financial activity with dates, amounts, recipients, and transaction types
• Mobile Banking App - Manage accounts, transfer money, pay bills, and monitor finances through integrated phone applications
• Interest Rate System - Savings accounts earn interest over time while loans accrue interest on balances
• Overdraft Protection - Optional overdraft limits with associated fees for accounts going negative
• Check Writing - Issue paper checks to other players for large purchases or business transactions
• Bill Payment System - Schedule automatic payments for recurring expenses like property taxes or vehicle registrations
• Credit Score Tracking - Player credit ratings affecting loan eligibility and interest rates based on payment history
• Bank Robbery Integration - Optional compatibility with heist scripts targeting bank vaults and ATMs
• Multi-Bank Support - Configure multiple competing banks with different rates and services

Perfect For

• Economy-Focused Servers - Communities emphasizing realistic financial systems and money management gameplay
• Business Roleplay - Servers with player-owned companies requiring professional business banking
• Serious Roleplay Communities - High-quality RP servers wanting authentic financial interactions
• Large Population Servers - Busy servers needing robust banking handling thousands of daily transactions
• Criminal Economy Servers - Underground economies where money laundering and cash flow are gameplay elements
• Property & Vehicle Servers - Communities with expensive purchases requiring loans and financing options

Account Management

• Account Creation - Players open accounts at bank locations with initial deposits and identification requirements
• Account Tiers - Basic, premium, and business account levels with different benefits and fees
• Joint Accounts - Shared accounts for couples, businesses, or organizations with multiple authorized users
• Account Statements - Monthly statements showing all transactions, interest earned, and current balances
• Account Closure - Proper account closing procedures with final balance disbursement

Loan & Credit Systems

• Personal Loans - Borrow money for vehicles, property, or business ventures with fixed interest rates
• Business Loans - Higher-value loans for company operations with business plan requirements
• Credit Applications - Formal loan request process with approval/denial based on credit history
• Payment Schedules - Automated weekly or monthly payment deductions from checking accounts
• Early Payoff - Option to pay loans early with interest savings incentives
• Default Consequences - Missed payments affect credit scores and can trigger asset seizure

Investment Features

• Stock Market - Invest in server businesses or fictional companies with variable returns
• Bonds - Low-risk, guaranteed return investments for conservative players
• Cryptocurrency - High-risk, high-reward digital currency investments with market volatility
• Portfolio Management - Track investment performance, buy/sell positions, diversify holdings
• Dividend Payments - Passive income from successful investments deposited to accounts

Technical Details

• Database: MySQL/MariaDB with optimized queries for transaction processing
• Performance: Efficient caching and async operations prevent server lag
• Security: Encrypted transactions, SQL injection protection, anti-duplication measures
• Scalability: Handles thousands of accounts and millions of transactions
• Customization: Extensive config for interest rates, fees, limits, and banking rules

Installation

1. Extract VIP Banking files to your server resources folder
2. Import the SQL database schema to create banking tables
3. Configure bank locations, ATM positions, and interest rates in config files
4. Integrate with your framework's money system (ESX or QBCore accounts)
5. Set up mobile banking app integration with your phone resource
6. Configure society/business account connections for company banking
7. Test all banking operations (deposits, transfers, loans, investments)
8. Set admin permissions for bank management and transaction oversight
9. Restart server and verify all banking features function correctly

Framework Compatibility

• ✅ ESX Legacy & 1.9.x - Replaces default banking with advanced features, integrates with esx_society for business accounts
• ✅ QBCore - Full replacement for qb-banking with enhanced capabilities and business integration
• ✅ Standalone - Can operate as independent economy system with basic framework adaptation
• ✅ Phone Integration - Compatible with lb-phone, qb-phone, qs-smartphone for mobile banking
• ✅ Society Systems - Connects with job societies, gangs, and business management resources

Administrative Controls

Server administrators get powerful tools for economy management including viewing all account balances and transactions for oversight, freezing accounts suspected of exploitation or rule violations, adjusting interest rates server-wide to control inflation, approving or denying large loan applications, monitoring investment markets for balance issues, generating economy reports showing money supply and circulation, reversing fraudulent transactions when needed, and configuring global banking policies. These controls enable admins to maintain healthy server economy while preventing exploits and managing monetary policy like real central banks.

What Makes It Stand Out

VIP Banking transforms money from simple numbers into strategic financial resources requiring actual management and planning. Unlike basic banking scripts that just move money between accounts, this system creates complete financial gameplay where players must decide between keeping cash liquid in checking accounts, earning interest in savings, taking loans for major purchases, or risking investments for higher returns. The loan system enables newer players to buy expensive vehicles or property before grinding enough cash, while creating debt gameplay and payment obligations that drive continued employment. Investment features provide passive income opportunities for smart financial planning, rewarding players who think long-term rather than spending everything immediately. Business account separation prevents the common problem of players mixing personal and company funds, creating proper business accounting. The mobile banking integration means players can manage finances anywhere without returning to physical bank locations, adding convenience while maintaining realistic banking interactions. This level of financial sophistication supports complex server economies with proper money sinks (interest payments, fees), money faucets (interest earnings, investment returns), and strategic money management that makes economy gameplay engaging rather than just accumulating cash numbers.

Economy Impact & Strategy

Implementing VIP Banking changes server economy fundamentally by introducing time value of money concepts. Players learn that holding cash loses value while invested money grows, encouraging smart financial planning over hoarding. Loans enable major purchases earlier but create payment obligations driving continued economic activity. Interest rates become admin tools for managing inflation - raising rates when economy overheats, lowering them to encourage spending during recessions. Investment systems provide wealth building for veteran players without creating runaway wealth gaps since investments carry risk. The transaction logging deters money laundering and RMT by creating audit trails admins can review. Business banking separates company finances from owner assets, enabling proper business valuation and sales. This creates functioning financial system where money management becomes gameplay element rather than background mechanic.

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