Not sure how hard this would be to do..

Make banking a little more complicated but it would make it more of an aspect

Interest:
It would bring more of a benefit to the game, I mean of course keep it realistic but for example: Everyday you get a 3.5% interest on your fed acct and local banks a little larger since you cant access it as often like 4.5% or even 5%. You could even add an achievement for so much interest money you gain.

Loans:
Add loans from the bank you have to pay back and if you dnt you have to pay it off in church. I know this might be counter acted by crew loans but still, makes the game a bit more interesting, and the bigger loan you get is based on your rank, maybe neat during a war time scenario if a godfather could be loaned a substantial of money etc etc...The admins would work out the details of course.

Also if you have a large amount of debts outstanding and you get wacked, your son would take on a small percentage of the debt and have to pay it off or face a tax on earnings or jail time, and even add life insurance (even tho im getting extreme on the complication of this now) to counter the debt on the new character if the unfortunate happened.

Just an idea to add another angle on earning money on the game :)

Caboose

I dnt know how spell check changed jail to church but thats what I meant in the loan section, sorry its getting late :P

Personally I dont like this idea.

In regards to interest, there is already too much money in the game, so why would we want to add more?

In regards to loans, doing such a thing would take out one aspect of player to player interaction. If you need a loan, find someone who has a loan business, or talk to your CL/family.

I personally think the banking system is fine how it is and dont see any reason to change it.

Chade is right.

I dont know if its needed really too. Loand are not really needed as your CL should provide you with enough money.

And there is way too much money in the game.

Valid points...

I was just trying to increase activity in the game-play of the game, a stock market will give me the action I'm looking for if it ever becomes operational...

I agree with chade and i would like to add that then i would create character, take loan from bank suicide and then moved money to new character, its just more - than +

I think making the banking system a little more complicated would make things a little more interesting.  As I see it right now, the bank is absolutely useless.  I think interest is a good idea.  For example, you can't earn much interest if you can freely take out money from the bank whenever you want.  But say if you deposit 10 mil in the bank for 30 days and aren't allowed to withdraw any of it, you should gain a good amount of interest.  This a superficial version of how real banks work anyways. 

There is too much money in this game already.  Well we can adjust banking in a way that you have to bank a large sum of money to really make any noticeable profit. 

I don't see loans working around these shores though. 

I vote Kriminal's idea winning :)

How would that work, if we made the accounts into savings accounts instead of regular accounts, people couldn't access their money for a month, and it would add more money anyway.

So how would banking a large sum help anything, if we already have enough money in the game, why would we think of ways to add more?

I'd rather there be more money and more stuff to do than alot of money and nothing to do....I mean the more money the more activities lets face it this game can be dull...and i mean if money is the problem lower drug prices and add more things to do...thats the basis of this...also the more stuff to occupy time the more people will come and play the game and not go to others...I mean I enjoy this game for the people on here not really the game anymore...and one more small thing to do the better...

Adding a bank that creates interest for large sums of monies will only cause people to bitch and moan about the rich getting richer. Its not a bad suggestion at all, but really an uneeded suggestion.

As for there being nothing to do, theres always roleplaying in the streets and the buisiness districts, ya know, the foundation of this game.

Yeah true but that only goes so far