Banks of the West – Banks Bank Robberies and Death Rebalance V1.0

Adds fully functional banks to RDR2 Freeroam.
Deposit and withdraw your money at banks — or rob them for a big payday.
Die with cash on you and it’s gone. Money in the bank is safe… unless you die wanted with a bounty over $100, in which case the authorities seize half. Surrender clears bounties but empties your pockets and account

THIS MOD IS CURRENTLY WIP. EXPECT BUGS.

Rockstar gives us these beautifully modelled banks in the game world and then does not give the player any way to meaningfully interact with them besides a few handcrafted missions.

This mod adds fully functional banks to RDR2 Freeroam with deposits, withdrawals, daily interest and seamless cinematic robberies.

Supported banks:

Valentine
Rhodes
Saint Denis
Blackwater (Automatically disabled until the epilogue)

What you can do:

Banking: Walk up to the clerk, deposit/withdraw and earn daily interest (paid out at midnight). All banks are closed from midnight to 6 AM and have working blips on the map.
Bank Robberies: All banks can be robbed. Point a gun in the face of a clerk to coerce him! The money is located inside multiple safes inside the vault. Bank Robberies carry a bounty of $1000. (Configurable)
Theres 2 ways to open the vault:
Force the bank clerk to open it.
Use dynamite. Can require multiple sticks. Simply attach it to the vault door with vanilla dynamite mechanics.

Safes: Dynamite is required to blow safes open. The detonation needs to happen relatively close to the opening knob of the safe.
Doors & Gates: Some bank interior doors/gates can be shot open at the lock with a shotgun.

Bank Robbery Payouts (rough): Total take scales by town and how many safes you successfully crack & loot.
SD > Blackwater > Rhodes > Valentine

Expect several hundred to a few thousand dollars per heist when fully looted. Loot pool is predefined per bank but random to a certain extent.

This mod also rebalances how money, death & the law interact to make the game more interesting to play long term. Vanilla behaviour is not sufficient to achieve this.

Law, death & lockdown

Death rebalance: If you die, you lose all cash on you.
Bank account confiscation: If you die while wanted and your bounty is over $100, authorities seize 50% of your bank balance. You will see how much you lost after you respawn through a notification top left corner.
Surrender clears all bounties in all states but fully empties both your pockets and your bank account. Can be configured/disabled.
Lockdown/cooldown: After a robbery, that bank locks down and goes on cooldown for a set number of in-game days during which the bank is fully inaccesible.
Adds map blips to all Law Offices in the game (Sheriffs’ offices, Police Stations etc.). Can be disabled.

The lockdown and bank balance mechanic is robust against loading an earlier save and should reflect cooldowns and your balance at that point in time accurately.
However if you frequently go back and forth between saves there is a possibility that the mod wrongly applies a bank cooldown or reads a bank balance wrong. So either avoid doing this or backup your “.cooldowns.dat” and “.txlog.dat” file.

This mod automatically disables itself during missions and reenables itself afterwards.

INI / configurable options and their default values

InterestRatePct (default 0.5% per day, compounding) Interest rate on bank balance.
EnableCooldown (default 1): If banks should go on cooldown at all. I highly discourage setting this to 0.
CooldownDays (default 7): how long a robbed bank stays sealed.
death_loss_fraction (default 100%).
bank_death_loss_fraction: bounty threshold (default $100) and fraction (default 50%) for money loss on deaths while wanted.
LootAmp (default 0.5) Optional scaling for how much money is in the safes during a Bank Robbery.
IsPNAInstalled (Default 0). Set to 1 if PNA is installed or this mod WILL NOT WORK.
EnableLog (Default 0). If set to 1: Will create a log file during gameplay which logs a lot of the internal logic of the mod. Use this for bug reporting please.
EnableLawOfficeBlips (Default 1). If set to 0: Won’t show the map blips for Law offices anywhere.
EnableBlackwaterArthur (Default 0). If for some reason you want to enable the mod for the Bank in Blackwater before the Epilogue: Set this to 1.
SurrenderClearsAllStates (Default 1). Makes surrender clear bounties in all states. 0 disables this feature.
surrender_loss_fraction (Default 1.0). Determines how much of your wallet cash you lose upon surrender.
bank_surrender_loss_fraction (Default 1.0). Determines how much of your bank cash you lose upon surrender.
bank_robbery_bounty_usd (Default 1000). Determines what bounty the crime “Bank Robbery” carries. Clamped between 500 and 1500. Whole $USD.

How to install
1. Download the file
2. Unzip it
3. Drag everything into your games root folder.

Requires: ScriptHookRDR2 V2

Associated files
.asi = Script itself
.ini = Configuration file
.log = logging file (creates itself)
.cooldowns.dat = file which stores the cooldowns for any robbed banks (creates itself)
.txlog.dat = file for banking. encrypted so you can’t cheat easily 😉 (creates itself)

Future updates

Polish.
Fix loot spawn locations once and for all.
Add the possibility of robbing a bank stealthy, including near silent safe cracking.
Add rare events in which banks hold more wealth in their safes than usual. Per bank, lasts a few days. Extra guards.
Add Armadillo Bank support for PNA users.
Expand and polish the use of voicelines, animations and sounds.

If you have any suggestions or recommendations for additions/changes that are inline with the spirit of the mod: Don’t hesitate to leave a comment or DM me.

Recommended mod list for the best experience

Either “LAW” or “Rededrunk’s Realistic Law Dispatch Response” (latter prefered due to active updates)
Smoking Complete
Rededrunk’s Ultimate Combat Overhaul (AI Base only)
PDO Reloaded (set npc damage to 180% or more for a more challenging and fun experience)
Disable Horse Holstering
Ambient Gang – RDR Gang Addon

Mods that arent compatible
Any mods that mess with anything bank related: Interior IDs of banks, doors of banks, bank clerk etc. PNA IS COMPATIBLE: USE THE OPTION IN .INI

Known Issues

There is some sort of fog/smoke/steam particle effect inside the vault of Blackwater. That is not caused by this mod. As far as I can tell that is vanilla behaviour. I’m not sure if it shows up for everybody but it does for me. I have been unable to remove this so far. If anybody has an idea on how to remove it: DM ME!

Disclaimers
I tried my best testing all of the features but its possible I have overlooked edge cases. Report any bugs or weird situations you encounter and I will do my best to fix them. Please use the Logging feature in that case and try to reproduce what happened and append the log file.
You’re welcome to backup your game before you do anything but the mod is completely safe and can easily be uninstalled by simply removing the .asi file. Associated files can also be removed but removing the script itself is sufficient.
THERE IS A DEBUG OPTION TO GET YOUR CURRENT INTERIOR ID: PRESS (try a few times) Ü (GERMAN KEYBOARD LAYOUT) with log enabled: Prints your current interior ID into the log.
Check if they match:
VALENTINE: 12290
RHODES: 29442
SAINT_DENIS: 42754
BLACKWATER: 72962

If they dont match: You got some other mod installed that messes with interior IDs.

“How does this mod compare to other bank mods?”

AMJM: The only bank related feature here is banking as in “deposits, withdrawals, interest rates & loans”. NO BANK ROBBERIES. Good mod but for my taste it adds to many things that distract from the core gameplay idea of RDR2: being an outlaw.
Banking The Old American Art: Adds banking the same way AMJM does. But again: NO BANK ROBBERIES.
Bank Robberies by Unlosing and Jedijosh920: Only adds Bank Robberies, NO BANKING. Bank robberies are underdeveloped here imo and this mod is also pretty heavily bugged and currently not under active development (last update was 5+ years ago).
SgtJoe Bank Robberies: Very good mod but again NO BANKING. This mod is currently also heavily bugged and currently not under active development (last update was 3+ years ago).

All in all when I decided to make this mod I felt like there was not a single mod currently available that implemented Banks & Bank robberies the way I wouldve personally liked them to work.

In no shape or form is this mod intended as a critique of the aforementioned mods.

Thank you very much and enjoy the mod!

Credits:

tripleXdemN

Download mod

File	File size
Banks of the West MOD FILE ZIP 1.0.0-update	154 KB
Banks of the West MOD FILE ZIP 0.9.2-update	116 KB