Editing National Neopian Bank

{{Construction| reason=More data needed and better organization}}
{| align=right
|http://images.neopets.com/shopkeepers/bankmanager.gif
|}
The '''National Neopian Bank''' is the center of all commerce within all [[Neopia]]. Residing within [[Neopia Central]], all [[Neopet]]s and users keep their [[Neopoints]] safely placed within this bank's secure storage safes. Users who have a certain number of [[NP]] placed within their walls have a special interest rate they can place on their stored money, netting them a yearly interest.

Originally, the National Neopian worked like a real bank, and users could take out loans at March 21, 2000. Accounts began to be debited on March 23, 2000, taking an amount of NP each day. On May 20, 2000, this feature was taken away and never came back because too many users were abusing the system.

==Signing Up==
When you originally create a bank account, you must answer the following questions: Your Name, Your Neopian Address, Current Employment, Annual Salary, Account Type, and Initial Deposit. Of course these aren't asking for real answers, such as what your real job is or what you really make. <br><br>

The list of jobs to choose from is as follows:<br>
Chia Custodian <br>
Wocky Warden<br>
Korbat Keeper <br>
Grarrl Guardian<br>
JubJub Janitor<br>
Lenny Librarian<br>
Kiko Caretaker<br>
Scorchio Supervisor<br>
Pteri Policeman<br>
Blumaroo Babysitter<br>
Chomby Curator<br>
Nimmo Nurse<br>
Skeith Secretary<br>
Aisha Assistant<br>
Gelert Gardener<br>
Meerca Master<br>
Elephante Editor<br>
Quiggle Quantum Physicist<br><br>

The annual salary dropdown to choose from is as follows. It is based on the average amount of NP earned at the time this question was added.<br>
10,000 NP and below<br>
10,000 to 25,000 NP<br>
25,001 to 40,000 NP <br>
40,001 to 60,000 NP<br>
60,001 to 90,000 NP <br>
90,001 to 120,000 NP<br>
120,001 NP and above<br><br>

All new applicants receive 30 Neopoints.

==Withdrawing Neopoints==
You are only permitted to remove Neopoints from your bank account 15 times in one day.
Some users have chosen to use the PIN feature in order to protect their Neopoints. If you guess your own Neopets PIN incorrectly 5 times in a row, you will be locked out from typing your pin and/or withdrawing Neopoints for about an hour.

==Collecting Interest==
Interest is calculated as a daily distribution, rounded up.  However, users must actively collect the daily interest manually.  To do this, a user visits the [http://www.neopets.com/bank.phtml bank] everyday.  Before any transactions are made, the user clicks the ''collect interest'' button, which awards the user their interest for the day.  This interest is added to their bank deposit total.  If the user deposits or withdraws NeoPoints before collecting interest, it is forfeit.

==Interest Rates==
{|border=1
|-style="background:blue"
!Account Name !! Minimum Amount<br>of NP !! Interest Rate<br>(per year)
|-
|Junior Saver || 0 NP || 4.5 %
|-
|Neopian Student || 1,000 NP || 5.5 %
|-
|Bronze Saver || 2,500 NP || 6.0 %
|-
|Silver Saver || 5,000 NP || 6.5 %
|-
|Super Gold Plus || 10,000 NP ||7.0 %
|-
|Platinum Extra || 25,000 NP || 7.5 %
|-
|Double Platinum || 50,000 NP || 8.0 %
|-
|Triple Platinum || 75,000 NP || 8.5 %
|-
|Diamond Deposit || 100,000 NP || 9.0 %
|-
|Diamond Deposit Plus || 250,000 NP || 9.5 %
|-
|Diamond Deposit Gold || 500,000 NP || 10.0 %
|-
|Millionaire Platinum || 1,000,000 NP || 10.5 %
|-
|Millionaire Double Platinum || 2,000,000 NP || 11.0 %
|-
|Millionaire Mega-Platinum || 5,000,000 NP || 11.5 %
|-
|Neopian Mega-Riches || 7,500,000 NP || 12.0 %
|-
|Ultimate Riches! || 10,000,000 NP || 12.5 %
|}

==Finding Specific Rates==

===Equations===
''In the following equations, '''x''' corresponds to the quantity of NeoPoints (NP) in a bank account, '''y''' is NP per day in interest, and '''z''' is interest rate, converted to a decimal.''

*To find Interest rate:  ''y / ( x / 365 )''
*To find NeoPoints per day in interest: ''( x * z ) / 365''
*To find the quantity of NP required for a certain amount of interest per day at a certain percentage rate: ''( y * 365 ) / z''

This third equation has been used to create the following table which can be used by multiplying the interest a user wants to earn in a day ''(I)'' by the number in the first column that corresponds to their interest rate (APR). e.g.:

''A user wants to make 1000 NeoPoints per day in interest with an 11% APR: 3319 * 1000 = 3,319,000 NP''

To make 1 million NP per day a user would need almost 2,920,000,000 NP at 12.5% APR.

===Chart===
{|border=1
|-style="background:blue"
!1 NP per day interest !! APR
|-
|8112 || 4.5%
|-
|6637 || 5.5%
|-
|6084 || 6%
|-
|5616 || 6.5%
|-
|5215 || 7%
|-
|4867 || 7.5%
|-
|4563 || 8%
|-
|4295 || 8.5%
|-
|4056 || 9%
|-
|3843 || 9.5%
|-
|3650 || 10%
|-
|3477 || 10.5%
|-
|3319 || 11%
|-
|3174 || 11.5%
|-
|3042 || 12%
|-
|2920 || 12.5%
|}

*NOTE: Figures in table above are rounded up, for exacting precision use the third equation above, also note that the bank rounds up (for the purpose of giving NP in interest).

==Safety Deposit Box==
Added February 29, 2000, the '''safety deposit box''' (''SDB'' for short) is a free service provided with an account at the National Neopian. It can store as many [[item]]s as a user wants. Any items kept in the safety deposit box are safe from the [[Pant Devil]], [[Sludging]] etc. It also means users can carry more items by placing items from their [[inventory]] into the SDB. Users access the Safety Deposit Box by clicking on the ''"Shops"'' task bar button and then on the ''"safe"'' image in the toolbar.

You can search by category, by keyword, or both at the same time to narrow down results to find an item. The categories in the safety deposit box are...

{|align=center
|-valign=top
|width=250|
*Album Item
*Battledome Equipment
*Books
*Clothes
*Codestones
*Collectible Cards
*Cures
*Dubloons
*Food
|width=250|
*Gift
*Grooming
*Instruments
*Magic Item
*Meridell Potion
*Neocash
*Neogarden
*Neohome
*Paint Brush
|width=250|
*Petpet
*Petpetpet
*School
*Special
*Tiki Tack
*Toys
*Trading Card
*Utility Fish
*World Challenge
|}

==Related Avatars==
*Storing 1000 different items in your safety deposit box gives you the ''Pack Rat'' [[Avatar]].

==See Also==
*'''Games:''' [[Trouble at the National Neopian]]

==External links==
{{Helony|Bank}}
*[http://www.neopets.com/bank.phtml The National Neopian Bank]
*[http://www.neopets.com/safetydeposit.phtml Safety Deposit Box]
*'''Neopedia:''' [http://www.neopets.com/neopedia.phtml?neopedia_id=73 National Neopian Bank]
*'''Neopets TCG:''' [http://www.neopets.com/tcg/displayCard.phtml?edid=6&id=85 Safety Deposit Box]
*'''Caption Competition:''' [http://www.neopets.com/games/caption/caption_archive.phtml?place=388 #388], [http://www.neopets.com/games/caption/caption_archive.phtml?place=579 #579], [http://www.neopets.com/games/caption/caption_archive.phtml?place=672 #672]
*'''Help File:''' [http://www.neopets.com/help_search.phtml?help_id=33 What do the jobs at the bank mean?], [http://www.neopets.com/help_search.phtml?help_id=73 How many items can your safety deposit box hold?], [http://www.neopets.com/help_search.phtml?help_id=112 What does the bank do?], [http://www.neopets.com/help_search.phtml?help_id=120 How do I get a Safety Deposit Box?], [http://www.neopets.com/help_search.phtml?help_id=374 How do I put something in or take something out of my safety deposit box?]
*'''Editorial:''' [http://www.neopets.com/newnt/index.phtml?section=editorial&week=3 3], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=7 7], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=9 9], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=12 12], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=26 26], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=27 27], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=31 31], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=34 34], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=36 36], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=40 40], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=41 41], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=45 45], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=55 55], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=59 59], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=61 61], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=64 64], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=67 67], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=69 69], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=70 70], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=85 85], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=99 99], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=102 102], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=103 103], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=104 104], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=115 115], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=116 116], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=130 130], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=133 133], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=138 138], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=141 141], [http://www.neopets.com/newnt/index.phtml?section=editorial&week=147 147], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=176 176], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=192 192], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=194 194], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=195 195], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=197 197], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=205 205], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=211 211], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=219 219], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=227 227], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=229 229], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=230 230], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=235 235], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=240 240], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=244 244], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=245 245], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=247 247], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=248 248], [http://www.neopets.com/ntimes/index.phtml?section=editorial&issue=258 258]

[[Category:Neopets Terminology]]
[[Category:Neopian Locations]]
[[Category:Shops]]
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