General Account Information:

• Account Eligibility: The DonFuer Bank and Exchange is intended for DonFuer Citizens only. If you are no longer a citizen, you have 1 week to claim your funds, with possible fees and immediate cessation of interest accrual.
• Minimum Deposit: A minimum deposit of 10k is required to open an account.
• Maximum Balance for Interest: Interest will not accrue once the balance reaches or exceeds 500k.
• Funds Usage: Your funds will be used for expanding shop assets, public work projects, etc., and will be reimbursed within 72 hours of a withdrawal request.
• Minimum Balance: You must maintain a minimum balance of 10k. If your balance falls below this threshold for one week, the funds will be forfeited to the state. ### Interest Rates:
• Standard Interest Rate: Interest starts at 4.5%.
• DonShop Payroll Deposits: If deposit is from DonShop payroll, the interest rate may be set to 5%. Note: DonShop Payroll Deposits may only include funds from DonShop Payroll, not personal funds.
• Interest Calculation: Interest is calculated and added to your balance every Monday. Interest is only calculated on your total balance. Projected interest will not be applied upon withdrawal but will compound while in the account. ### Withdrawal Information:
• Withdrawal Timing: It is advised to withdraw after interest is applied on Monday to maximize interest benefits.
• Minimum Withdrawal Amount: The minimum withdrawal amount is 10k. However, withdrawals do not need to be made in increments of 10k; any amount above the 10k minimum is acceptable.
• Withdrawal Fees:
  • Fee Structure: The withdrawal fee starts at 10% and decreases by 2% each week until it reaches 0%.
    • <1 week: 10%
    • 1-2 weeks: 8%
    • 2-3 weeks: 6%
    • 3-4 weeks: 4%
    • 4-5 weeks: 2%
    • >5 weeks: 0%
• Additional Fines: If you withdraw more than once a week, an additional 15% fee will be added per withdrawal, and if you deposit more than three times per week, you will be fined 2% of any deposits made after the third free deposit that week. Employee Accounts never have withdrawal fees associated with their account. ### Special Conditions:
• Single Account Rule: Each individual is permitted to hold, control, and/or operate only one account, either a DonShop Employee Pay account or a Private Savings Account. Organizations are not allowed to have accounts.
  • Conversion Rules: DonShop Employee Pay accounts may be converted to Private Savings Accounts, but Private Savings Accounts cannot be converted to DonShop Employee Pay accounts. Note that conversions from Pay to Private Savings Accounts will result in a lower interest rate.
• Banned Players: If a player is banned, their assets will be forfeited to the state after one week of being banned if the ban has not been overturned.
• Land-Claim Civil War: If a person is involved in a land-claim engaged in armed conflict with the state of DonFuer, their account will be automatically forfeited to the state, unless they leave the land-claim upon notice of armed conflict with the state of DonFuer.