> For the complete documentation index, see [llms.txt](https://oneclub-scripts.gitbook.io/oneclub-scripts-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://oneclub-scripts.gitbook.io/oneclub-scripts-docs/free-script/oneclub-banking.md).

# OneClub Banking

* The player has access to 3 account types: **Main (personal)**, **Society (faction)**, **Shared (shared )**
* **Card creation:** a physical bank card, **maximum 2 cards per account**

#### 💳 Card Settings:

* Change **PIN**
* **Block card:** the player can manually block the card
* **Delete card:** the card is unlinked from the account, remains in the inventory, but automatically switches to **Blocked** status

{% hint style="info" %}
You can sett **daily withdrawal limit** (default **$2,000**) and **card fee** (**$500** in cash)
{% endhint %}

#### 🛡️ Features & Security Measures:

* The account balance updates instantly
* If the player is **Unemployed**, the **Society** card/account will not be shown
* Transfers use only **account numbers** (From/To), not names
* PIN handling is always **hashed** (the PIN is not stored in readable form)

{% hint style="danger" %}

#### Anti-metagaming 

* Transfers use only **account numbers** (From/To), not names.
* PIN handling is always **hashed** (the PIN is not stored in readable form).
  {% endhint %}

#### 📋 Society & Shared Accounts

* **Society** = faction account
* **Shared** = accounts shared with other players (max. **3** per player/organization depending on configuration)

{% hint style="info" %}

#### Who can manage cards and Society/Shared accounts

* Faction **bosses**
* Players assigned by the **boss** to manage the account
  {% endhint %}

#### 📑 Shared accounts include full administration:

* Create a new account
* Manage members (access permissions)
* Delete the account

{% tabs %}
{% tab title="🗂️ Card is stolen" %}

* The attacker can withdraw **up to the daily withdrawal limit**
* Withdrawals from a **blocked** card are not possible (may trigger a **PD dispatch/alert**)
* Currently supported (cd-dispatch, ps-dispatch, qs-dispatch) or your custom dispatch
* After **3× incorrect PIN entries**, the card is automatically blocked
  {% endtab %}

{% tab title="📱 PIN Decoder Item" %}

* Allows discovering the PIN via a **minigame**
* **Fail** → the card gets blocked
* **Success** → the PIN is revealed
  {% endtab %}
  {% endtabs %}

***

### 💸 **Loans**

* Ability to take out a **personal loan** (**max. 2 active** at the same time).
* After a loan is approved, a **repayment schedule** is created (**automatic withdrawals from the account**).
* The **loan amount / availability** is tied to the player’s **Credit Score**.

#### 🏛️ **Credit Score**

* Range: **300 – 850** points
* Default for a new player: **500** points
* Rating tiers:
  * **Tier S** ≥ 821
  * **Tier A** ≥ 750
  * **Tier B** ≥ 650
  * **Tier C** ≥ 500
  * **Tier D** < 500

{% hint style="info" %}

#### 🎯 **Score Adjustments**

* **Extra payment** (min. **$400**): **+4** points
* **Pay off balance** (full loan payoff): **+12** points
* **On-time installment** (payment on time): **+6** points
* **Missed due date** (late/missed payment): **-15** points
* **2 missed installments** → the loan is **defaulted** and a **debt** is created
  {% endhint %}

#### 📝 **UI Actions**

* **Pay current debt** — repay the debt created after a default
* **Extra payment** — accelerated repayment beyond the schedule
* **Pay off balance** — fully repay the loan
* **Loans History** — overview (**Paid / Active / Defaulted**)

***

#### Oneclub Fleeca Bank (Lore Based script)

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