> For the complete documentation index, see [llms.txt](https://alt0.gitbook.io/alt0-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://alt0.gitbook.io/alt0-docs/alt0-bank/configuration.md).

# Configuration

Card tiers, loans, branches, ATMs and security in ALT0 Bank.

Everything is in `configs/shared.lua`. Keep it when you update.

## Cards

| Setting                               | Silver | Gold    | Platinum | Black     |
| ------------------------------------- | ------ | ------- | -------- | --------- |
| `Config.CardPrices`                   | free   | 10,000  | 50,000   | 250,000   |
| `Config.CardLimits` (daily ATM limit) | 50,000 | 150,000 | 500,000  | 2,000,000 |
| `Config.OverdraftLimits`              | 1,000  | 5,000   | 25,000   | 100,000   |

`Config.ReissueFee` (500) is the price of a replacement card. `Config.CreditCardItem` is the card item (`bank_card`).

## Loans and credit

```lua
Config.LoanDurations = { 7, 14, 30, 60 }  -- days
Config.MaxLoanAmount = 50000
Config.MinCreditScoreForLoan = 600
Config.MaxActiveLoans = 1

Config.CreditScore = {
    base = 550,          -- starting score
    perTransaction = 3,  -- added per transaction
    perActiveLoan = -50, -- per unpaid loan
    min = 300,
    max = 850,
}

Config.InterestRates = {
    excellent = 2.5,  -- score 750 and up
    good = 5.0,       -- score 650 and up
    fair = 10.0,      -- below 650
}

Config.SavingsInterestRate = 0.5  -- % per year on savings accounts
```

## Branches and ATMs

| Setting                                            | What it does                         |
| -------------------------------------------------- | ------------------------------------ |
| `Config.BankLocations`                             | Branches: full banking and cash      |
| `Config.WithdrawalZones`, `Config.WithdrawalBlips` | Cash desks: withdrawals only         |
| `Config.ATMModels`                                 | Which props are ATMs                 |
| `Config.ATMInteractDistance`                       | How close a player must be to an ATM |

## Stolen cards and PINs

| Setting                         | Default | What it does                                                            |
| ------------------------------- | ------- | ----------------------------------------------------------------------- |
| `Config.StolenCardLimitPercent` | 50      | Share of the card's daily limit a stolen card can withdraw per 24 hours |
| `Config.StolenCardAlertChance`  | 10      | Chance (%) the owner gets a fraud alert when their stolen card is used  |
| `Config.MaxPinAttempts`         | 3       | Wrong PINs before the ATM keeps the card and locks it                   |
| `Config.StolenCardCooldown`     | 15      | Minutes between withdrawals on a stolen card                            |

## Skimmers

```lua
Config.Skimmer = {
    policeJobs = { 'police', 'sheriff' }, -- jobs that can spot and remove a skimmer (job type 'leo' counts too)
    visibleToCustomers = true,            -- a fitted skimmer makes the reader look bulkier to everyone
}
```

With `visibleToCustomers = false`, only the person who fitted it, players carrying a skimmer and police can tell.

## Staff and updates

| Setting               | What it does                                                                                       |
| --------------------- | -------------------------------------------------------------------------------------------------- |
| `Config.AdminAce`     | ACE that may freeze accounts and read the audit log (`/bankfreeze`, `/bankunfreeze`, `/bankaudit`) |
| `Config.VersionCheck` | Print update notices in the server console                                                         |