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[Bank teller job with the economy revamp]


Fogry

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Short description:

Bank Teller Job would be helpful with the whole new economy revamp which is about to drop. It can be the same as the 24/7 or the gas station job using the 4k normal salary from /startshift. 

 

Detailed description:

Bank Teller job where in order for people to make large cash deposits/withdraws in and out of their banking accounts an actual Bank Teller on /startshift  is needed so that he can oversee the whole process and finalise the bank transaction. They will be in charge of accepting large cash transfers from armoured vehicles (Money Transfer Companies like G6 eventually or other to come.) - which will be needed for businesses to transfer the large amount of money accumulated during the week/month of work. Since it makes no sense for a person to walk around with 100k in small bills and bring them over to the bank. 

 

Commands to add:

Bank Teller Job || Business bank accounts available to all businesses, not just legal factions. ||

 

/businessaccounttransfer or /batransfer [Business ID/Name of Business] [Amount] [Comment]   - Available only to the Bank Teller Job.

/receipt [Business ID]  - pulls out the last bank statement that the Bank Teller made or the last bank statement for the business iD given for the guys from the Money Transfer Companies to avoid any IC problems with - “No I didn’t get my money.” Helps both the Bank Teller and the person bringing in the cash. This also gives a chance for anyone transporting the money a chance to be dishonest and attempt to steal it once more convincing businesses to hire security like companies. 

 

Items to add:

None.

 

How would your suggestion improve the server?

This would allow for a more realistic and intricate approach to how company owners can get money from the /bmanager to their accounts. This would also give more use for companies to hire G6 or like security companies because their deposit would need to be transported safely to a bank where a teller could deposit it into the owner's bank account. And as money will be an item that has weight to it, using an armoured vehicle will be needed for big cash transfers.

 

Additional information:

With the bank teller there is lots of room for expansion and more roleplay options if you wanted to remove large banks as a safezone you could then have people construct more elaborate bank robberies. It will bring opportunities for illegal roleplayers too, a reason to actually rob a working bank that has personal and clients in it (Clearly with admin supervision and up to the standards roleplay. So that it’s not overly abused.). It will give them the opportunities to rob armoured vehicles while transporting cash from a business to a working bank. And more others for the creative minds. 

 

 

 

 

 

 

 

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I believe its a novel idea, it relates to my field of work irl, and I'm in favor of anything related to financial/banking related suggestions, but I think there are way too many challenges for it to be ever implemented successfully. I'll list a few points below, let's see if we can find solutions to them?

1. What if I want to withdraw / deposit a large sum of cash and there's no teller available at that time? And its not limited to no teller being available at all, but to no teller being available at a specific bank/branch I have my account with. I've been RPing having an account with Pacific Standard and I always go there for my banking transactions. If we're doing so much for immersion, it'd be kinda odd to deposit cash in Fleeca when my account is with Maze Bank, only because there's no teller available in any Maze Bank branch. Moreover, there are at least 6-7 scripted banks that have their branches spread across the map. Having tellers available at all these is gonna be next to impossible.

2. It'll be a challenging for Cash-in-Transit companies to follow-up with the client and their choice of bank for delivering cash. For example, I have a specific branch where I want my money to be deposited and if we don't have a teller available (or on /startshift) at that branch, how long do we wait for all parties to be online at the same time? And what shall I do with my cash until then? Leave it susceptible to robbery, especially with the new update?

3. You talk about opportunities for people to rob a bank and/or armored vehicles, and I'm not even gonna comment on the safe-zone just yet because that's a discussion about server rules, but what about insurance companies? Some countries offer a sovereign backing to customers in case a bank collapses, but most others also have a private insurance for such eventualities. So if my money is being made susceptible to robbery (for realism), shouldn't it come with a scope of recovery via insurance (for realism) too?

4. Adding to #3, if there happens to be an NPC insurance company (because I don't foresee an actual player-operated insurance company to be a reality here), its gonna be a massive hit for the economy because people would go on to steal cash which will add to their net-worth, and then the said bank would end-up recovering the money via insurance and it'll just add more cash to the economy. From what I know, we're already struggling to find money sinks in the economy and this is gonna be massively counterproductive from that perspective. 

5. Also, If we're allowing bank robberies, do we Roleplay actual cash in the specific bank's inventory, or any deposited cash is split across all branches of the same bank evenly? If so, shall we not consider another faction/company to handle the transportation of cash from bank to some kind of depository where the cash will be stored? It just keeps getting complicated if we think about it.

6. What about tagging/marking the currency notes and making it more difficult for robbers to actually use the bounty? Are we gonna do so much for realism but allow robbers to spend their money without any kind of fear-RP after the robbery? Alternatively, we could keep a cool-down period for such robbed cash to be used / infiltrated back to the economy via laundered means, but that'd still be marked with serial numbers and would realistically be traceable (at least to some extent). 

7. What's next? More security jobs at banks after tellers? Also, we all know its only a matter of time before these tellers (and security personnel at banks, if we ever get them) will stop RPing there because of frequent robberies, just like its the case with most businesses. 

My solution to this?
- If people really wanna see this, we should start small. This will be a huge step from where we're at currently, and will only bring more chaos otherwise.
- Maybe keep this teller-job optional, if at all? Like one bank in city and one in county? Don't force it on people to RP with tellers. Both systems can work parallelly if needed. 
- We should stick to the safe-zone rules for now. They're there for a reason.
-  I say no to bank-robberies unless we see more examples of very sophisticated business robberies with virtually zero rule-breaks on the server. Until we achieve that standard of RP, it'll be disastrous to transition into bank-heists and lead to a massive waste of time (for admins and players) and frequent voiding of situations. 


Tl;Dr: Keep it optional (and to a limited capacity), if at all. We can't do so much for realism only for it to get more unrealistic at some point. I think this is a massive area that is better left untouched. Also, it's gonna be very detrimental to the existing (not-so-perfect) economy.

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I absolutely agree with this suggestion! 

 

As for a possible solution 

59 minutes ago, The.Godfather said:

1. What if I want to withdraw / deposit a large sum of cash and there's no teller available at that time? And its not limited to no teller being available at all, but to no teller being available at a specific bank/branch I have my account with. I've been RPing having an account with Pacific Standard and I always go there for my banking transactions. If we're doing so much for immersion, it'd be kinda odd to deposit cash in Fleeca when my account is with Maze Bank, only because there's no teller available in any Maze Bank branch. Moreover, there are at least 6-7 scripted banks that have their branches spread across the map. Having tellers available at all these is gonna be next to impossible.

With the new revamp the way this could work would be similar to the 24/7 and tattoo's right now. When a specific bank is open by a player is shuts down the use of other banks giving that bank a chance for rp. In regards to you rping having an account with Pacific, (this is based off where I live and I'm not sure if it is the same) a corporate business account can use any bank to deposit because the bank deposits it to the account information. Where I live my company's bank doesn't have an actual building because it is meant strictly for business accounts so you can deposit anywhere. However a solution could be to offer a bank teller job at every large bank with an interior the same as they do 24/7's and then when no one is on start shift you can still go about depositing large amounts at which ever bank you prefer. 

 

TL:DR: The bank teller would be only in place when someone is online otherwise it would be a free for all the same as it is currently. 

 

59 minutes ago, The.Godfather said:

2. It'll be a challenging for Cash-in-Transit companies to follow-up with the client and their choice of bank for delivering cash. For example, I have a specific branch where I want my money to be deposited and if we don't have a teller available (or on /startshift) at that branch, how long do we wait for all parties to be online at the same time? And what shall I do with my cash until then? Leave it susceptible to robbery, especially with the new update?

^^ This is answered by the above. When a teller is offline you can still be escorted by a security company to go to your bank and do with cash deposit or take the risk and do it by yourself. (The only reason you may want security is based on how the new revamp decides money is weighted and theoretically armoured cars would be able to hold >100k.) However if you wanted to leave it in your business you could post a safe that is what many companies irl do, they have a safe and will deposit once or twice a week depending on how much the deposit is. 

 

59 minutes ago, The.Godfather said:

3. You talk about opportunities for people to rob a bank and/or armored vehicles, and I'm not even gonna comment on the safe-zone just yet because that's a discussion about server rules, but what about insurance companies? Some countries offer a sovereign backing to customers in case a bank collapses, but most others also have a private insurance for such eventualities. So if my money is being made susceptible to robbery (for realism), shouldn't it come with a scope of recovery via insurance (for realism) too?

4. Adding to #3, if there happens to be an NPC insurance company (because I don't foresee an actual player-operated insurance company to be a reality here), its gonna be a massive hit for the economy because people would go on to steal cash which will add to their net-worth, and then the said bank would end-up recovering the money via insurance and it'll just add more cash to the economy. From what I know, we're already struggling to find money sinks in the economy and this is gonna be massively counterproductive from that perspective. 

5. Also, If we're allowing bank robberies, do we Roleplay actual cash in the specific bank's inventory, or any deposited cash is split across all branches of the same bank evenly? If so, shall we not consider another faction/company to handle the transportation of cash from bank to some kind of depository where the cash will be stored? It just keeps getting complicated if we think about it.

6. What about tagging/marking the currency notes and making it more difficult for robbers to actually use the bounty? Are we gonna do so much for realism but allow robbers to spend their money without any kind of fear-RP after the robbery? Alternatively, we could keep a cool-down period for such robbed cash to be used / infiltrated back to the economy via laundered means, but that'd still be marked with serial numbers and would realistically be traceable (at least to some extent). 

These four are related to the additional information section. The robbery aspect was just stated as a place for expansion in the far future and was not gone through in depth for the purpose of not knowing how the economy revamp would change things. These are all very valid issues but not related directly to the addition of the bank teller job. However it would be cool to work through the logistics of bank robberies as of right now it is not very feasible as it would require a lot of rule changes which is why once more it was added in the additional information section not the main suggestion. 

 

59 minutes ago, The.Godfather said:

7. What's next? More security jobs at banks after tellers? Also, we all know its only a matter of time before these tellers (and security personnel at banks, if we ever get them) will stop RPing there because of frequent robberies, just like its the case with most businesses. 

More security jobs would offer more roleplay for those who are interested in doing that type of roleplay. (I don't see that as a bad thing) However I am unclear of what you mean by people not rping due to frequent robberies in businesses? I know the standard for robberies have changed and there are a lot more rules around it. With that being said this statement is only a possibility if the server expanded to the options of bank robberies and as I said in my last response that was just an option for expansion but not the main purpose of the teller job. As right now this suggestion is only focusing on adding a teller job and not removing the bank as a safe zone so currently no one would be able to rob banks. 

Edited by EudoraW
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