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Where the money is, and where it goes.

Every character gets a Fleeca Bank account automatically. Cash and bank are two separate pools: you carry cash on your person, but your bank balance is what shops, taxes, and payroll touch. This page covers the money loop from paycheck to ATM to stock market to your business.

One bank, 12 ATMs 10% income tax 25 stocks
Basics

Cash vs bank

B1

Two pools, totally separate

Cash is what you're physically carrying. If you get robbed, mugged, or killed, the cash is on your body. Your bank balance is safe in the account: it doesn't drop on death. Shops mostly take cash; rent, mortgages, tax, and paychecks all touch bank. Move money between the two at an ATM or branch.

Step 1

ATMs and Fleeca branches

A1

12 ATMs across LS and Blaine County

Walk up to any ATM. Your card is auto-issued the first time. Set a 4-digit PIN. From there you can:

  • Withdraw bank to cash (no daily limit, but your inventory weight will stop you carrying a brick of cash)
  • Deposit cash to bank
  • Transfer to another character by first/last name (no fee)
  • View balance and history (last 15 transactions; 20 at a branch)

Fleeca branches in Downtown LS and Rockford Hills do everything ATMs do, plus you can report a lost card for a $25 replacement fee.

ActionFee
ATM withdrawal / deposit$0
Transfer to another character$0
Lost card replacement$25
PIN change$0

Watch out: anyone holding your card can drain your account. If yours gets stolen, get to a branch fast and report it.

Income

Paychecks

P1

Paid monthly on the 1st

Pay is deposited directly to your bank. Income tax (10%) is taken before you see it. You get a toast notification and an email with the payslip breakdown.

StatusGross payNotes
Unemployed$2,000 / monthState benefits, automatic
Faction or company member$5,000 / monthBase; faction rank salary and company salary stack on top
Faction rank salary$400 to $3,200See the factions page for rank tables
Company salaryUp to $100,000Set by company owner per rank; only pays if company bank can afford it
Income tax10%Withheld from gross before deposit

Worked example: $5,000 base + $1,000 faction salary = $6,000 gross. Tax takes $600. You see $5,400 in your bank.

If your company can't make payroll one month (bank balance too low), employees just don't get the company portion that month: there's no overdraft.

Recurring

Tax

T1

Three flavours: income, sales, property

TaxRateWhen
Income tax10%Off every paycheck
Sales tax7.5%On top of every 24/7, ammo, and hardware store purchase (clothing is exempt)
Property tax (house)2% of value / monthAuto-deducted from bank
Property tax (vehicle)1.5% of value / monthAuto-deducted from bank
Property tax (apartment)0%You don't own them, you rent

All collected tax flows into the City Government treasury, which is what funds the Mayor's budget and council operations. Rates can change if government policy changes them.

Investing

Stock market

S1

25 stocks, 7 sectors, real volatility

Open the Stocks app on your phone. You see all 25 listed companies across Technology, Energy, Finance, Defense, Retail, Transportation, and Entertainment. For each: live price, today's % change, day high and low, volume.

Buying spends from your bank balance. Selling puts the proceeds back in bank. No trading fees, ever.

MechanicNumber
Price update intervalEvery 5 to 12 minutes
Max single-tick move12%
Volatility multiplier3x base for swing feel
Trend decay per tick88%
Company news intervalEvery 10 to 25 minutes
Market-wide event intervalEvery 45 to 90 minutes
News duration30 to 90 minutes

News events drive most of the action. A "Federal Reserve cuts rates" headline pushes the whole market. "ACME Corp announces product line" pushes ACME and correlated retail/tech names. Watch the news feed for entries.

Your portfolio tracks total shares, average buy price, current value, and profit/loss per holding. Don't expect sustained rallies: the trend-decay is aggressive (88% per tick), and mean reversion kicks in hard once a stock is 50%+ away from its base. Buy news, take profits, don't get married to a position.

Spending

Shops

SH1

Five categories of retail

All shops take cash on hand (not bank). Carry a wad before you start a shopping trip.

Shop typeCountSales taxSample prices
24/7 convenience stores127.5%Water $2, sandwich $8, phone $200, repair kit $150, backpack $80
Clothing8NoneT-shirt $15 to $40, jeans $25 to $70, sneakers $40 to $110
BarbersMultipleNoneHaircut $20 to $45, hair colour $10 to $25
Tattoo parloursMultipleNonePer design
DIY / hardwareMultiple7.5%Spray can $8, lockpick $75, jackhammer $2,500, alarm kit $500

Wearable bags (fanny pack $30, backpack $80, duffel $150) raise your inventory carry weight. Buy one early. They pay for themselves the first time you can carry a full grocery run home.

Build a business

Owning a company

CO1

Four legal structures

Run /company create, pick a structure, pay the registration fee in cash. You get a company bank account and a company number. From there you set up ranks (with custom permissions and salaries), invite employees, and start trading.

TypeRegistrationMax membersBest for
Sole proprietorship$2261Solo trader
Partnership$5465Small team
LLC$2,07010Medium business
Corporation$3,900UnlimitedLarge operation

Company bank account starts at $0. Members with the right permission can deposit, withdraw, or view the balance. Ranks hold permissions (invite, kick, promote, view balance, deposit, withdraw, use company vehicles, access company stash) and a monthly salary (max $100,000 per rank).

Licenses unlock business features (fuel stations, restaurants, logistics, etc.). $500 to $1,000 each, one-time. Once licensed, the feature stays unlocked as long as you own the company.

Worth knowing: founders don't auto-get an "owner" rank. Set ranks and permissions yourself before you invite anyone. And if the company bank can't cover payroll on the 1st, salaries don't pay that month, full stop. No overdraft.

Read the room

Weazel News

N1

In-game news that moves stocks

Weazel News is an in-character publication run by player journalists. Articles get published live and broadcast headlines show up in the stock ticker, on your phone news app, and on in-world TVs. When something happens in the city, Weazel covers it.

For investors, Weazel matters: stock market news events fire roughly every 10 to 25 minutes, push prices in named companies, and decay over 30 to 90 minutes. Read the headline, decide, move.