Features

Detailed explanation of all nc-banking V2 features.

V2 keeps the complete banking feature set from V1 and adds a full banking job,
branch ownership, and vault economy on top.

NPC Banking

Dialog System

Players interact with bank teller NPCs through an immersive dialog interface:

• Camera animation focuses on the NPC
• Typewriter-style text for NPC responses
• Hierarchical menu tree (categories → sub-options)
• Configurable greeting and dialog options per branch

From this dialog, players can:

• View balances and account numbers
• Deposit and withdraw cash
• Make transfers (account number or server ID)
• Manage savings, personal, business, and shared accounts
• View and pay invoices
• Manage cards and PINs
• Open the full Banking Dashboard (fullscreen UI)

Bank Locations

The resource ships with multiple pre-configured bank locations (Pacific,
Fleeca branches, Maze, Bank of Liberty, Maze Tower, Route 68, etc.), each with
one or more teller NPCs.

Each NPC has configurable:

• Ped model
• Position and heading
• Map blip (enabled/disabled, sprite, color, scale)
• Dialog title/subtitle and greeting text

NPC Locking

To prevent two players sharing the same teller:

• Config.NPCExclusive = true → only one player per NPC at a time
• Locks auto-expire after Config.NPCLockTimeout seconds (safety net)

ATM System

3D NUI Overlay

ATMs use a 3D NUI overlay aligned on the ATM screen:

• Left buttons: Balance, Deposit, Withdraw, Transfer
• Right buttons: PIN, History, Cancel
• Model-specific PIN pad layout

This makes ATMs feel like real world machines instead of simple text menus.

Camera Presets & Calibration

• Each ATM model uses a camera preset (distance, height, offset, FOV, DOF).
• Smooth transition animation when you start/finish using the ATM.
• Admins can run /atmcalibrate to fine-tune the overlay per model.
• Calibration data is saved to atm_coords.json and automatically loaded.

Admin ATM Spawner

• /atmspawn — preview and place a new ATM
• /atmdelete — delete nearest spawned ATM
• Spawned ATMs are saved in the database and persist across restarts.
• Requires nc-banking.admin ACE permission.

ATM Fees & Confirmation (V2)

V2 introduces ATM fees and a confirmation step:

• Configurable flat fees for withdraw and deposit (Config.ATMFees).
• When a player confirms an ATM operation, the UI shows:
  • Amount
  • Fee
  • Total
  • Balance before and after
• Fees are logged and appear in transaction history.

This makes ATM usage transparent and creates a money sink for your economy.

Account Types & Number System

Account Number System

Every account (main, personal, savings, business, shared) has a unique number:

• Format: {BankName}-{12 digits} → e.g. NC-000000000001
• Configurable prefix and length.
• Existing accounts without numbers are auto-backfilled on server start.

Dual Transfer Mode

Transfers support two modes everywhere (NPC, ATM, Billing App):

• Account Number → direct to a specific account across all types.
• Server ID → resolve player → main account.

Players can toggle modes in the UI. Offline support is available for
account-number-based transfers.

Account Types

• Main Account — framework default bank account.
• Personal Accounts — sub-accounts with separate balances.
• Savings Accounts — interest-bearing accounts with goals and history.
• Business Accounts — job-linked accounts owned by bosses.
• Shared Accounts — joint accounts with multiple members.

Limits (how many, max balances, min amounts) are configurable per type.

Business Account Auto-Create

When enabled:

• Business accounts are created automatically for active jobs.
• Config.AutoBusinessJobs can create accounts on server start for specific
  jobs (police, EMS, mechanic, etc.).
• Boss changes are reflected automatically in account ownership.

Loan System

Application & Approval

• Players can apply for loans through the banking UI.
• Eligibility and terms depend on credit score and configured rules.
• Config.LoanBalanceMultiplier limits max loan size relative to total balance.
• Durations are chosen from a predefined list (e.g. 7, 14, 30 days).

Repayment Options

• Manual payments with minimum amount enforcement.
• Optional auto-pay:
  • Runs every configured interval.
  • Pays a percentage of remaining balance.
  • Respects a minimum payment amount.

Grace Period & Penalties

• After due date, a grace period applies before the loan defaults.
• Late penalties can be a flat amount or a percentage.
• Defaulting a loan has a strong negative impact on credit score.

Loan Calculator

Players can preview:

• Total repayable amount
• Installment estimates
• Interest cost

before committing to a loan.

Credit Score System

Score range: 300 (worst) → 850 (best).

Positive Factors

• Deposits and withdrawals (account activity)
• Fully repaid loans
• Number of active savings accounts
• High savings balances
• Invoice payments
• Account age

Negative Factors

• Defaulted loans
• Overdue active loans
• No recent transactions

Tiers

Credit tiers affect:

• Maximum allowed loan amount
• Interest modifiers (higher/lower rates)

This makes loans a deeper, long-term system rather than free money.

Invoice / Billing System

Invoices

• Send invoices to other players.
• Pay from any account type (main, personal, savings, business, shared).
• Decline invoices (if enabled).
• Pay all pending invoices at once.
• Auto-expire after a configurable number of days.

Job Billing → Business Accounts

If an invoice has a job field (for example, police fines):

• When paid, money is deposited into the job's business account.
• If no business account exists, it falls back to the sender's account.

This allows realistic flows:

• Police fines → Police Department business account.
• EMS bills → EMS Department business account.
• Mechanic invoices → Garage business account.

Billing Phone App

Standalone NUI app for invoices and transfers:

• View pending, paid, and sent invoices.
• Send new invoices by server ID.
• Transfer money (server ID or account number).
• Select source account via account carousel.
• Optional integration with external phone resources.

Bank Card System

Overview

Bank cards link to specific accounts and can be real inventory items or purely
DB-based.

Features

• Issue new cards from NPC card services.
• Cancel cards (removes from inventory/DB).
• Reissue cards for the same account (with optional fee).
• Require cards for ATM use (optional).
• Allow or disallow cards to be shared between players.

Card Grades & Daily Limits

• Configurable card grades (Standard, Premium, Gold, Platinum, etc.).
• Each grade has:
  • Daily spending limit (ATM withdrawals + transfers).
  • Upgrade cost.
• Daily usage resets at a configured server hour.

This gives you another lever for balancing the economy.

Banking Job & Teller Tools (V2)

V2 adds a full banking job on top of the core banking system.

Roles

Banking roles are stored in the database (not tied to framework jobs):

• Owner — purchased a branch, full access.
• Manager — hired by owner, manages staff and vault.
• Teller — front-line staff serving customers.

Access to features (teller operations, vault, loans, settings, hire/fire) is
controlled via role levels.

Teller Tablet

On the client, bank staff can open the teller tablet UI to:

• Select a nearby customer.
• See customer overview:
  • Bank balance and cash.
  • Savings, personal, shared, and business accounts.
  • Active loans and invoices.
  • Recent transactions.
• Perform teller actions:
  • Deposit/withdraw on behalf of the customer.
  • Open/close sub-accounts.
  • Issue, cancel, or reissue cards.
  • Help customers pay loans and invoices.

This shifts manual command-style support into a clean UI.

Branch Ownership & Vault Economy (V2)

The biggest change in V2 is the branch economy.

Owning Branches

• Configured bank locations can be sold as branches.
• A player (typically a business owner) can buy a branch.
• Ownership is stored in the nc_banking_branch_ownership table.

Branch Vaults

Every branch has its own vault balance:

• A dedicated account that collects fees and revenues.
• Owners/managers can deposit into and withdraw from the vault.
• All movements are logged in a vault log (type, amount, source, reason).

This turns the bank into a real business in your economy.

Branch Fees & Revenue

V2 introduces branch-specific fees in addition to global config fees:

• Each owned branch can have its own:
  • ATM fee.
  • Teller operation fee.
  • Card reissue fee.
• Fees from that branch can be routed into the branch vault, giving owners
  direct income from traffic.

Unowned branches can still use the global config fees.

Owner Dashboard

Branch owners manage their branch through a dedicated Owner Dashboard UI:

• Overview of:
  • Branch name and label.
  • Vault balance.
  • Basic recent activity.
• Employee management:
  • Hire/fire tellers and managers by server ID.
  • See current staff and roles.
• Vault management:
  • Deposit and withdraw funds.
  • Review vault activity.
• Settings & ATMs:
  • Change branch display name.
  • Enter ATM placement mode to add ATMs inside the branch zone.
  • View/remove existing branch ATMs.

This makes branch ownership and management a real gameplay loop instead of just
static config.

Admin & Logging

Admin Permissions

• Uses FiveM ACE system (nc-banking.admin).
• Controls access to:
  • ATM spawn/delete.
  • ATM calibration.
  • Certain advanced management actions.

Discord Logging

• Optional logging of key events to Discord webhooks:
  • Deposits, withdrawals, transfers.
  • Loans, savings events.
  • Invoices.
  • Card operations.
  • Admin actions.
• Each category can be toggled or pointed at a different webhook URL.

Summary

nc-banking V2 is more than just a banking menu:

• Players get a full-featured, modern banking experience.
• Staff get proper tools to work as bankers.
• Owners get real branches, vaults, and fee-based revenue.

Use the Configuration and Exports pages alongside this document to
fine-tune behaviour and integrate nc-banking V2 with the rest of your server.