ABOUT ROYAL BANCROFT BANKCORP | SERVICES & PRODUCTS | ACCOUNT TYPES | LOANS | APPLICATIONS | WHY YOU SHOULD CHOOSE ROYAL BANCROFT BANKCORP | REGISTRIES | OOC INFORMATION & BLACKLIST
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About Royal Bancroft Bankcorp
Royal Bancroft Bankcorp, often shortened to "Bancroft" (abbreviated as "BB" too), is a banking, financial services, and investment corporation owned by the Bancroft Family and its extended branch families. Headquartered in Empire City, TECT, Bancroft is one of the largest banks in the Empire by total assets alone and is officially recognized by the Crown as a national bank in TECT (hence the "Royal" in its name). The Bancroft Family, one of TECT's most prestigious noble families, officially founded the Bancroft Bankcorp in 1919 just prior to the 1921-30 economic boom. However, the Bancroft Family originally entered the financial world in the early 1600's by creating a major investment enterprise consisting of them and their extended family; by making cautious and well thought out capital investments (such as investments into industrial trades, government and city development projects, and financing of colonial efforts and conquests), the Bancroft Family was able to garner enormous wealth over the centuries that few entities in the Empire could rival. In order to safely store away their amassed fortune, Koloman Ferdinand Bancroft, Duke at the time, decided making a bank would not only be a profitable venture (serving the lower masses and working with the Imperial Government would bring in more wealth) but it would also create a safe place for the Bancroft Fortune to be stored away; creating a bank would coalesce the family's financing ventures by grouping them under a single umbrella for which future investments and financing could be done - banking would just be another addition to the Bancroft's repertoire. Although one of the first banks in the Empire, Bancroft Bankcorp wasn't alone in the field. Competition from guilds, banking institutions which were founded before Bancroft Bankcorp (including merchant, commercial, and investment banks), and other financial/investment businesses was fierce; knowing their opponent, a wealthy Duchy, other businesses knew they were in for a fight in the marketplace. Even with their efforts, Bancroft Bankcorp rode a wave of success stemming from an economic boom throughout the 1920's - the Bancroft's vast wealth and experience in financing proved to be a valuable asset in the banking industry. By 1930, Bancroft Bankcorp had over a dozen branches serving customers in the capital and many more throughout Homeland State. Bancroft Bankcorp would continue opening branches in every corner of the Empire, expanding its services, and increasing its assets as the decades passed. The Bancroft Family's contribution to the Empire over the centuries, through its bank and investments, is treasured so highly that the Bancroft Family was rewarded with a new title (Archduke) and their bank (Bancroft Bankcorp) recognized officially by the Crown as a national bank.
Priding itself on hospitality, Bancroft Bankcorp has continued to diversify itself, its products, and the services it offers to its vast customer base. Bancroft Bankcorp builds on its ancestors' achievements by continuing the Bancroft tradition of financial investments, taken up retail and commercial banking, and offers financial (cash/treasury) management services. These products include bank account deposits and withdraws for customers, issuing checks to members, offering financial loans to customers with varying circumstances (personal, student, businesses, etc.), various available bank account options alongside management services, mortgages, provide credit (in the form of credit cards and other trusts), and currency conversion; the purchasing and sale of bonds, currency, gold, and silver are also part of Bancroft Bankcorp's offered services/products. Far and wide throughout the Empire, Bancroft Bankcorp makes access to its services easier through the plentiful number of ATMs, local branches, major national branches, and online resource tools available for Bancroft Bankcorp's vast customer base. As the corporation goes international, Bancroft Bankcorp is predicted to expand exponentially.
Since its foundation, the Bancroft Bankcorp has been owned by the Bancroft Family, and by extension, the Bancroft Archduchy. Although a "stock corporation" with issued and authorized shares, the Bancrofts designed the corporation to solely benefit the family; the Bancrofts and their extended branch families own all the issued shares of the corporation (preferred and common shares) and would likely buy remaining shares once they're authorized. In practice, the corporation is a family owned business that's owned and operated by the Bancrofts (branch families hold lesser roles in the corporation's overall operation) - legally speaking, the corporation is a stock corporation but shares similarities with non-stock corporations where the owners are members and not stockholders. Since the majority owner of Bancroft Bankcorp is the current head of the family (the Archduke), they hold the highest power in the corporation and are therefore CEO unless the Archduke chooses another person to run the corporation as CEO; the remaining shares are primarily held by the other adult Bancroft relatives who pass on their shares to their own children - only a small minority of the shares are in the hands of the branch family relatives. Christoph Sieger Bancroft, Archduke and Bancroft Family Head, is the current CEO of Royal Bancroft Bankcorp. Other major positions, such as CFO and COO are held by his adult children or siblings, who are all Bancrofts; department heads, subsidiary heads, and other major positions within the corporation's organization are typically reserved for Bancrofts or their branch family members - with few exceptions, of course.
Priding itself on hospitality, Bancroft Bankcorp has continued to diversify itself, its products, and the services it offers to its vast customer base. Bancroft Bankcorp builds on its ancestors' achievements by continuing the Bancroft tradition of financial investments, taken up retail and commercial banking, and offers financial (cash/treasury) management services. These products include bank account deposits and withdraws for customers, issuing checks to members, offering financial loans to customers with varying circumstances (personal, student, businesses, etc.), various available bank account options alongside management services, mortgages, provide credit (in the form of credit cards and other trusts), and currency conversion; the purchasing and sale of bonds, currency, gold, and silver are also part of Bancroft Bankcorp's offered services/products. Far and wide throughout the Empire, Bancroft Bankcorp makes access to its services easier through the plentiful number of ATMs, local branches, major national branches, and online resource tools available for Bancroft Bankcorp's vast customer base. As the corporation goes international, Bancroft Bankcorp is predicted to expand exponentially.
Since its foundation, the Bancroft Bankcorp has been owned by the Bancroft Family, and by extension, the Bancroft Archduchy. Although a "stock corporation" with issued and authorized shares, the Bancrofts designed the corporation to solely benefit the family; the Bancrofts and their extended branch families own all the issued shares of the corporation (preferred and common shares) and would likely buy remaining shares once they're authorized. In practice, the corporation is a family owned business that's owned and operated by the Bancrofts (branch families hold lesser roles in the corporation's overall operation) - legally speaking, the corporation is a stock corporation but shares similarities with non-stock corporations where the owners are members and not stockholders. Since the majority owner of Bancroft Bankcorp is the current head of the family (the Archduke), they hold the highest power in the corporation and are therefore CEO unless the Archduke chooses another person to run the corporation as CEO; the remaining shares are primarily held by the other adult Bancroft relatives who pass on their shares to their own children - only a small minority of the shares are in the hands of the branch family relatives. Christoph Sieger Bancroft, Archduke and Bancroft Family Head, is the current CEO of Royal Bancroft Bankcorp. Other major positions, such as CFO and COO are held by his adult children or siblings, who are all Bancrofts; department heads, subsidiary heads, and other major positions within the corporation's organization are typically reserved for Bancrofts or their branch family members - with few exceptions, of course.
Services & Products
At the heart of Royal Bancroft Bankcorp lie three primary amenities available to customers, they are Banking, Finance, and Investment. Within these amenities are various services, products, and resources Royal Bancroft Bankcorp offers to both customers and bank members. Royal Bancroft Bankcorp's mission is to reach a point where it can cater to customers needs and wants regardless if they're members of Bancroft Bankcorp or another bank entirely.
Our Banking apparatus revolves around retail banking and commerical banking, which targets our local customer base (including local populations, nearby businesses, and surrounding investors) using Automated Teller Machines (ATMs) or local branches of Royal Bancroft Bankcorp. To reach our customers/members better, Royal Bancroft Bankcorp runs an official website where customers and members can access and manage their personal accounts from the comfort of their own homes/businesses; features include viewing your current account status(es), managing multiple accounts associated to one or more users (such as a person or business that owns multiple accounts), paying fees or bills online, and handling transactions/inquires/requests that don't require in-person interaction for confirmation purposes. Royal Bancroft Bankcorp's Official App is also available for download on smartphones, tablets, and other mobile devices - letting customers use Bancroft Bankcorp tools and resources on the go. An App (Bancroft Business Assistance™) developed by Royal Bancroft Bankcorp specifically for businesses allows them to view their bank accounts and financial statistics regarding them (such as calculated income and deposits made, withdraws made automatically by the business or withdraws made by employees, and information tools like graphs & charts illustrating financial analytics), manage all accounts associated with the business (which means less time spent at the bank or on the phone with it), and gives businesses interface programs for operating business devices (such as POS systems and tablets) in both the front and back of the house; this App is available to businesses for a paid subscription (monthly or yearly plans), bundling dedicated customer support, deducted business fees regarding finances and business loans by the business in question, and a free subscription to Royal Bancroft Bankcorp's insider business magazine (which delivers business outlooks along with stock exchange information, offers industry/financial tips, and provides financial resources to help inform business owners/leaders about their trade).
Loans are another product Royal Bancroft Bankcorp offers to its customers. We offer Personal loans, Student loans, Business loans, and Government loans; each type of loan has its own sub-types associated under them that affect their interest rate and possible capital ceiling. Interest rates (interest due per period, as a proportion of the amount lent) are calculated by what a loan's sub-type is, quantity of money loaned, and the time frame requested to pay off the loan. Student loans, for example, vary depending on the student's career choice (if they're choosing medical school/courses or law school/courses, they may see higher interest rates while a standard student or trade school student may see a less hefty interest rate), affecting how much money can be loaned to them and their interest rates for paying off the loan. Personal Loans, however, don't have a ceiling to which money can be loaned, but their interest rates may be much higher depending on their sub-type and loan quantity. Businesses enjoy loans without capital ceilings too but typically tackle even steeper interest rates based on their corporate level (whether they're a small business or large corporation). Our Government loan aims to supply a government with large sums of cash it may require to fund its budget, it does not have a capital ceiling nor any sub-types but does have a base 5% interest rate.
Royal Bancroft Bankcorp's Finance & Investment apparatuses focus on investment banking and commerical banking for businesses and other interested customers. Although found at your local branches, national branches are typically where major investment and financial operations are undertaken by our hardworking staff; customers can typically use national branch services via their preferred mail service, over the phone, and using our many online resources if they cannot/prefer not to make in-person appointments. It is at these major national branches that Royal Bancroft Bankcorp handles Cash and Treasury Management services, issue Letters of Credit and managing Lines of Credit, store Safe Deposit Boxes, conduct Payment and Transaction Processing (typically businesses need to process payments from customers in a variety of ways), selling/buying Bonds and Stock, selling/buying of Gold and Silver, and conducts foreign exchange services for both businesses, governments, and customers (helping businesses/governments overseas by converting currencies and shipping converted currencies to a Bancroft customers' local branches). Our national branches also serve as a storage site for currency, gold, silver, and other valuables in our possession.
Speaking of gold and silver, Royal Bancroft Bankcorp participates in both the gold and silver markets internationally, selling and buying both rare commodities. We back much of our corporation's money using both gold and silver, often leaving surpluses and shortages within our possession; this essentially means Royal Bancroft Bankcorp continuously looks to purchase gold/silver to fulfill shortages that may occur, and sell gold/silver surpluses for profit. If you wish to purchase and/or sell either product with Royal Bancroft Bankcorp, please be aware that we conduct transactions using ounces and prices shift continuously due to constant value fluctuation; the price of gold can be observed in real-time here, and for silver here.
Our local branches are designed for the modern consumer to utilize, whether they're visiting to deposit money, discuss a loan with our local representatives, or receive in-person assistance with their account; local branches are staffed with local experts who're dedicated and well trained, feature innovative technology such as teller lines using touch-interfaces and high-tech offices for meetings/staff use, and indoor/exterior decor that's crafted to welcome any visitor. Royal Bancroft Bankcorp Automated Teller Machines also go a long way in providing our customers a personal level convenience. Simple to use and navigate, Royal Bancroft Bankcorp ATMs utilize a touch-screen interface, a series of smooth data processors, and a plethora of innovative security/operating systems. Our ATMs are more secure than ever thanks to the use of a Royal Bancroft Bankcorp developed quadruple DES (Data Encryption Standard) formula; Royal Bancroft Bankcorp ATMs have four times the protection than then single standard system found in older ATMs and even more strict verification processing than the triple standard systems in other modern ATMs. Multiple-pass verification combined with our innovative encryption public/private key methodology defeats hackers and other criminals who're familiar with PIN encryption mechanics. Key transfer is handled by our Remote Key Transfer system (RKT) which automates all key transfers, eliminating the need for staff to manually replace keys in ATMs. Additional security/protection details about our ATMs can be found bellow in our more detailed security mandate explanation. Unlike many bank owned ATMs, Royal Bancroft Bankcorp's ATMs do not require you to have an account or membership with Royal Bancroft Bankcorp to use, nor does any customer have to pay a fee to use Royal Bancroft Bankcorp ATMs.
Royal Bancroft Bankcorp's national branches are a major component to our everyday operations, granting us the ability to provide quality customer support and essential hands-on services. These large bank buildings hold more than just our basic service facilities found in local branches and are more pivotal to our daily operations than most customers think. Often multiple floors high, our large national branches operate extensive customer services centers (online support centers and call-in centers for customers to seek assistance), offices purpose built to manage accounts and portfolios for customers utilizing our cash/treasury management services, and vaults that keep our physical deposits, gold, silver, and safe deposit boxes under lock & key. For our average customers walking in to do business, there is a vast network of manned and automatic teller lines easily accessible to foot traffic, numerous personal offices and meeting rooms manned by specialists ready to consult you on your finances 24/7, and at least one floor dedicated to hospitality with lounges, restaurants/food service establishments, and bars catering to both customers and staff (this is also a great opportunity for businesses wishing to have their hospitality business in our towers). Another service managed from within our national branches is our extensive website and online customer resource tools. Royal Bancroft Bankcorp's website and online application (available on smartphones, computers, tablets, and other personal devices) are used daily by customers to manage their accounts, make deposits, withdraws, and payments, access our exclusive selection of magazines dedicated to spreading finance, business, and stock information to paying subscribers, and receive personal assistance from Royal Bancroft Bankcorp support staff concerning their personal finances, accounts, or financial portfolios - all this from the comfort of your home or while on the go. Bancroft Business Assistance™ is a business assistance application designed specifically for our corporate customers to view their bank accounts and financial statistics (such as calculated income and deposits made, withdraws made automatically by the business or withdraws made by employees, and information tools like graphs & charts illustrating financial analytics), manage all accounts associated with the business (which means less time spent at the bank or on the phone with it), and gives businesses interface programs for operating business devices (such as POS systems and tablets) in both the front and back of the house; this App is available to businesses for a paid subscription (monthly or yearly plans), bundling dedicated customer support, deducted business fees regarding finances and business loans by the business in question, and a free subscription to Royal Bancroft Bankcorp's insider business magazine (which delivers business outlooks along with stock exchange information, offers industry/financial tips, and provides financial resources to help inform business owners/leaders about their trade)
Our Banking apparatus revolves around retail banking and commerical banking, which targets our local customer base (including local populations, nearby businesses, and surrounding investors) using Automated Teller Machines (ATMs) or local branches of Royal Bancroft Bankcorp. To reach our customers/members better, Royal Bancroft Bankcorp runs an official website where customers and members can access and manage their personal accounts from the comfort of their own homes/businesses; features include viewing your current account status(es), managing multiple accounts associated to one or more users (such as a person or business that owns multiple accounts), paying fees or bills online, and handling transactions/inquires/requests that don't require in-person interaction for confirmation purposes. Royal Bancroft Bankcorp's Official App is also available for download on smartphones, tablets, and other mobile devices - letting customers use Bancroft Bankcorp tools and resources on the go. An App (Bancroft Business Assistance™) developed by Royal Bancroft Bankcorp specifically for businesses allows them to view their bank accounts and financial statistics regarding them (such as calculated income and deposits made, withdraws made automatically by the business or withdraws made by employees, and information tools like graphs & charts illustrating financial analytics), manage all accounts associated with the business (which means less time spent at the bank or on the phone with it), and gives businesses interface programs for operating business devices (such as POS systems and tablets) in both the front and back of the house; this App is available to businesses for a paid subscription (monthly or yearly plans), bundling dedicated customer support, deducted business fees regarding finances and business loans by the business in question, and a free subscription to Royal Bancroft Bankcorp's insider business magazine (which delivers business outlooks along with stock exchange information, offers industry/financial tips, and provides financial resources to help inform business owners/leaders about their trade).
Loans are another product Royal Bancroft Bankcorp offers to its customers. We offer Personal loans, Student loans, Business loans, and Government loans; each type of loan has its own sub-types associated under them that affect their interest rate and possible capital ceiling. Interest rates (interest due per period, as a proportion of the amount lent) are calculated by what a loan's sub-type is, quantity of money loaned, and the time frame requested to pay off the loan. Student loans, for example, vary depending on the student's career choice (if they're choosing medical school/courses or law school/courses, they may see higher interest rates while a standard student or trade school student may see a less hefty interest rate), affecting how much money can be loaned to them and their interest rates for paying off the loan. Personal Loans, however, don't have a ceiling to which money can be loaned, but their interest rates may be much higher depending on their sub-type and loan quantity. Businesses enjoy loans without capital ceilings too but typically tackle even steeper interest rates based on their corporate level (whether they're a small business or large corporation). Our Government loan aims to supply a government with large sums of cash it may require to fund its budget, it does not have a capital ceiling nor any sub-types but does have a base 5% interest rate.
Royal Bancroft Bankcorp's Finance & Investment apparatuses focus on investment banking and commerical banking for businesses and other interested customers. Although found at your local branches, national branches are typically where major investment and financial operations are undertaken by our hardworking staff; customers can typically use national branch services via their preferred mail service, over the phone, and using our many online resources if they cannot/prefer not to make in-person appointments. It is at these major national branches that Royal Bancroft Bankcorp handles Cash and Treasury Management services, issue Letters of Credit and managing Lines of Credit, store Safe Deposit Boxes, conduct Payment and Transaction Processing (typically businesses need to process payments from customers in a variety of ways), selling/buying Bonds and Stock, selling/buying of Gold and Silver, and conducts foreign exchange services for both businesses, governments, and customers (helping businesses/governments overseas by converting currencies and shipping converted currencies to a Bancroft customers' local branches). Our national branches also serve as a storage site for currency, gold, silver, and other valuables in our possession.
Speaking of gold and silver, Royal Bancroft Bankcorp participates in both the gold and silver markets internationally, selling and buying both rare commodities. We back much of our corporation's money using both gold and silver, often leaving surpluses and shortages within our possession; this essentially means Royal Bancroft Bankcorp continuously looks to purchase gold/silver to fulfill shortages that may occur, and sell gold/silver surpluses for profit. If you wish to purchase and/or sell either product with Royal Bancroft Bankcorp, please be aware that we conduct transactions using ounces and prices shift continuously due to constant value fluctuation; the price of gold can be observed in real-time here, and for silver here.
Our local branches are designed for the modern consumer to utilize, whether they're visiting to deposit money, discuss a loan with our local representatives, or receive in-person assistance with their account; local branches are staffed with local experts who're dedicated and well trained, feature innovative technology such as teller lines using touch-interfaces and high-tech offices for meetings/staff use, and indoor/exterior decor that's crafted to welcome any visitor. Royal Bancroft Bankcorp Automated Teller Machines also go a long way in providing our customers a personal level convenience. Simple to use and navigate, Royal Bancroft Bankcorp ATMs utilize a touch-screen interface, a series of smooth data processors, and a plethora of innovative security/operating systems. Our ATMs are more secure than ever thanks to the use of a Royal Bancroft Bankcorp developed quadruple DES (Data Encryption Standard) formula; Royal Bancroft Bankcorp ATMs have four times the protection than then single standard system found in older ATMs and even more strict verification processing than the triple standard systems in other modern ATMs. Multiple-pass verification combined with our innovative encryption public/private key methodology defeats hackers and other criminals who're familiar with PIN encryption mechanics. Key transfer is handled by our Remote Key Transfer system (RKT) which automates all key transfers, eliminating the need for staff to manually replace keys in ATMs. Additional security/protection details about our ATMs can be found bellow in our more detailed security mandate explanation. Unlike many bank owned ATMs, Royal Bancroft Bankcorp's ATMs do not require you to have an account or membership with Royal Bancroft Bankcorp to use, nor does any customer have to pay a fee to use Royal Bancroft Bankcorp ATMs.
Royal Bancroft Bankcorp's national branches are a major component to our everyday operations, granting us the ability to provide quality customer support and essential hands-on services. These large bank buildings hold more than just our basic service facilities found in local branches and are more pivotal to our daily operations than most customers think. Often multiple floors high, our large national branches operate extensive customer services centers (online support centers and call-in centers for customers to seek assistance), offices purpose built to manage accounts and portfolios for customers utilizing our cash/treasury management services, and vaults that keep our physical deposits, gold, silver, and safe deposit boxes under lock & key. For our average customers walking in to do business, there is a vast network of manned and automatic teller lines easily accessible to foot traffic, numerous personal offices and meeting rooms manned by specialists ready to consult you on your finances 24/7, and at least one floor dedicated to hospitality with lounges, restaurants/food service establishments, and bars catering to both customers and staff (this is also a great opportunity for businesses wishing to have their hospitality business in our towers). Another service managed from within our national branches is our extensive website and online customer resource tools. Royal Bancroft Bankcorp's website and online application (available on smartphones, computers, tablets, and other personal devices) are used daily by customers to manage their accounts, make deposits, withdraws, and payments, access our exclusive selection of magazines dedicated to spreading finance, business, and stock information to paying subscribers, and receive personal assistance from Royal Bancroft Bankcorp support staff concerning their personal finances, accounts, or financial portfolios - all this from the comfort of your home or while on the go. Bancroft Business Assistance™ is a business assistance application designed specifically for our corporate customers to view their bank accounts and financial statistics (such as calculated income and deposits made, withdraws made automatically by the business or withdraws made by employees, and information tools like graphs & charts illustrating financial analytics), manage all accounts associated with the business (which means less time spent at the bank or on the phone with it), and gives businesses interface programs for operating business devices (such as POS systems and tablets) in both the front and back of the house; this App is available to businesses for a paid subscription (monthly or yearly plans), bundling dedicated customer support, deducted business fees regarding finances and business loans by the business in question, and a free subscription to Royal Bancroft Bankcorp's insider business magazine (which delivers business outlooks along with stock exchange information, offers industry/financial tips, and provides financial resources to help inform business owners/leaders about their trade)
Time-based Interest Rates
One year: 1%.
Two years: 2.2%.
Five years: 3.8%.
Ten years: 5%.
Twenty years: 6.5%.
Thirty+ years: 7.3%.
Quantity-based Interest Rates
$200 NSD - $1,000 NSD: 0.5%.
$1,001 NSD - $1,000,000 NSD: 1.2%.
$1,000,001 NSD - $100,000,000 NSD: 1.8%.
$100,000,001 NSD - $1,000,000,000 NSD: 2.1%.
$1,000,000,001 NSD - $10,000,000,000 NSD: 2.9%.
$10,000,000,001+ NSD: 3.2%.
One year: 1%.
Two years: 2.2%.
Five years: 3.8%.
Ten years: 5%.
Twenty years: 6.5%.
Thirty+ years: 7.3%.
Quantity-based Interest Rates
$200 NSD - $1,000 NSD: 0.5%.
$1,001 NSD - $1,000,000 NSD: 1.2%.
$1,000,001 NSD - $100,000,000 NSD: 1.8%.
$100,000,001 NSD - $1,000,000,000 NSD: 2.1%.
$1,000,000,001 NSD - $10,000,000,000 NSD: 2.9%.
$10,000,000,001+ NSD: 3.2%.
Our basic deposit account for individuals, small-time investors, and small businesses, Royal Bancroft Bankcorp's SILVER Account is designed for basic wealth management and investment financing. Average families to small businesses will enjoy the $0 NSD opening fee and $1 NSD minimum deposit requirement, superb security and customer service, and lower per-annual interest rates. Small-time investors will also appreciate the SILVER Account's fair investment returns, superb confidentiality, and versatile wealth/account management resources.  Standard Perks:
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PLATINUM Account A premium deposit account for wealthy individuals, investors, and businesses, Royal Bancroft Bankcorp's PLATINUM Account is designed for wealth growth, wealth management, and investment financing. Higher quality requirements restrict this premium account to more endowed customers, such as businesses with substantial capital and individuals with considerable wealth. Whilst customers must pay a $1,000 NSD opening fee and make a $100,000 NSD minimum deposit, they enjoy great security and customer service, low per-annual interest rates, better investment returns, superb confidentiality, and access to premium wealth/account management resources.  Standard Perks:
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GOLD Account A high quality deposit account for wealthy individuals, investors, and businesses, Royal Bancroft Bankcorp's GOLD Account is designed for greater wealth growth, wealth management, and investment financing. Second only to our SPINEL Account in terms of quality, GOLD Account requirements restrict this premium account to more endowed customers, such as businesses with large capital and individuals with impressive wealth. Whilst customers must pay a $800,000 NSD opening fee and make a $15,000,000 NSD minimum deposit, they enjoy a high level of security, customer service, investment returns, confidentiality, and access to premium wealth/account management resources; customers will also enjoy the fair per-annual interest rates the Gold Account offer them.  Standard Perks:
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SPINEL Account Our best deposit account for wealthy individuals, investors, businesses, and governments, Royal Bancroft Bankcorp's SPINEL Account is designed for wealth growth, wealth management, and investment financing. As our greatest deposit account, the SPINEL Account's requirements restrict it to more endowed customers, such as businesses with enormous capital and governments managing national budgets. Whilst customers must pay a $10,000,000 NSD opening fee and make a $120,000,000 NSD minimum deposit, they enjoy the best possible security and customer service, great per-annual interest rates, great investment returns, the best confidentiality, and access to our best wealth/account management resources; our executive level management services includes improved treasury & cash management designed specifically to cater to governments and large enterprises.  Standard Perks:
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Personal Loans offered by Royal Bancroft Bankcorp are standard loans designed to finance high-cost items or services such as cars, households, renovations to the previous two examples, and other expensive costs for individuals to pay. Individuals may also need a personal loan for other expenses not already covered above. Personal Loans are split into four sub-types: Vehicle (cars, boats, aircraft, and renovations to these items fall under this category), Household (includes house purchases, rentals, property purchases, and renovations to such property), Electronics (such as computers, stereo systems, and other personal electronics), and Other (items/costs not associated with the earlier mentioned examples). For the Other sub-type, interest rates are set by Royal Bancroft Bankcorp as it sees fit depending the requested cash amount, the stated intended use of the loaned cash (if there is any), and the customer's credit/financial information/history - all of which could either lower or raise the loan's interest rate. Interest Rates:
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Student Loan Student Loans offered by Royal Bancroft Bankcorp are financial assistance loans designed to assist a student in paying for their upper education (collage/university/other), whether it's paying for tuition, school supplies, or other costs/fees associated with their education. Since many collages/universities/trade schools have high tuition fees (book fees and learning materials are also hefty costs), a student loan helps to shoulder the financial burden laid onto students seeking upper education. Student Loans are split into five sub-types, all of which are associated to a student's intended career choice. They are Standard (students seeking a standard two or four year degree not associated with other mentioned sub-types), Advanced (students seeking an advanced degree worth four or more years or graduating from some other special course not associated with other mentioned sub-types - such as economics and science majors), Trade (students seeking a mentorship, trade school, or other apprenticeship in a career field), Medical (students seeking a medical degree of any kind from a medical school or other medical course), and Law (students seeking a law degree of any kind from a law school or law course). Because of the special circumstances students find themselves in, Royal Bancroft Bankcorp doesn't begin the payment countdown (the month to which monthly payments begin) until said student finds a job that earns above a certain threshold; said threshold is calculated using the student's career choice/occupation, their income, and their loan's interest rate. In a situation where Royal Bancroft Bankcorp detects the student has committed fraud (fraudulently acquiring the loan, for example), fraudulently spending their loaned money (using the money for non-school matters), or is no longer enrolled in their educational facility, Royal Bancroft Bankcorp will immediately demand the return of the loan's stipulated quantity and possibly notify law enforcement authorities if the situation requires it. If the student will not or cannot present the entire quantity of the loan, Royal Bancroft Bankcorp will be forced to take legal action in order to repatriate the loaned money, acquire the promised interest, and pay for other financial damage induced by the student's contract violation. Interest Rates:
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Business Loan Business Loans offered by Royal Bancroft Bankcorp are basic money lending agreements designed to loan money necessary for basic functionality, crucial expansion, and business projects; businesses may need the money to operate during hard times, or a loan could assist a business by providing funds for future expansion, and special business projects could require money the business simply doesn't have readily available. To ensure all our business customers have options, Royal Bancroft Bankcorp has split its business loans into three sub-types: Small Business (designed for small businesses with tighter budgets, regardless of their type or field), Standard Business (intended for small or moderate sized businesses, corporations included), and Corporate Business (made for businesses/corporations that are large and endowed). Small Business loans have a ceiling of $500,000 NSD while Standard Business loans have a ceiling of $50,000,000 NSD; Corporate Business loans don't have a ceiling but have a higher than standard set interest rate and face a progressive interest rate of 1% per $100,000,000 NSD requested after the first hundred million NSD requested (if a business asks for $500,000,000 NSD for example, their interest rate would be the standard 2.5% + 4% with each hundred million after $100,000,000 NSD being one more percent each). Interest Rates:
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Government Loan Government Loans offered by Royal Bancroft Bankcorp are simple loans designed to lend money to national/local governments in need of large sums of cash. Governments could need loans to meet budget requirements, solidify their debt to one party holder, or fund special projects within its borders; in the past, governments have used loans to help fulfill budget promises (a loan pays for a program that year when the budget can't afford to), provide funding for wars, and pay for large construction projects like dams and airports. Loans taken responsibly can improve a government/nation's credit score, provide relief in the form of steady payments rather than large sums, and stimulate economic activity within the right circumstances. Royal Bancroft Bankcorp's Government Loan does not have any sub-types but instead has a standard high interest rate and a progressive interest rate that increase depending on the requested amount and time frame; the interest rate increases 1% per $10,000,000,000 NSD requested and another 1% per decade after the first. Anything under $10,000,000,000 NSD will only be charged the base interest amount. For example, if a government asks for $50,000,000,000 NSD to be paid back in 20 years, their interest rate would be 25% because 20 base rate + 4 additional $10,000,000,000 charges + 1 additional decade of time = 25. Other contributing interest rate factors will not apply concerning this loan. Interest Rates:
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Open an Account
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Type of Account:[/b]
[b]Initial Deposit (NSD please):[/b]
[b]You hereby verify and accept the conditions specified in your account contract; this includes opening fees, initial deposit requirements, interest rates paid annually to your account, and other litigated factors associated to your chosen account type.:[/b]
Make a Deposit/Withdraw
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Type of Account:[/b]
[b]Is This a Withdraw or Deposit?:[/b]
[b]Amount of Deposit/Withdraw (NSD please):[/b]
Install ATMs
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[b]Country's Name:[/b]
[b]Name of Organization/Business/Storefront (whichever applies, if neither leave blank or "N/A"):[/b]
[b]Representative's Name (name of the Royal Bancroft Bankcorp employee representing the region. If you already have branches, use the same name here):[/b]
[b]Economic System (Communist/Socialist/Capitalist, etc.):[/b]
[b]Regulations (such as taxes concerning withdraws or security requirements):[/b]
[b]Number of ATMs and Their Location(s) (please be specific):[/b]
Open Branches
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[b]Country's Name:[/b]
[b]Representative's Name (name of Royal Bancroft Bankcorp employee representing the region. If you already have ATMs, use the same name here):[/b]
[b]Economic System (Communist/Socialist/Capitalist, etc.):[/b]
[b]Regulations (such as taxes concerning withdraws or security requirements):[/b]
[b]Type of Branch (local branches are smaller neighborhood banks while national branches can be major multi-story buildings located in major cities):[/b]
[b]Number and Location(s) of Branches (please be specific):[/b]
[b]How Large Can These Branches Be Developed (some local branch buildings can become large but national branch buildings can often become tall skyscrapers if permitted to develop more facilities; please specify if there are any regulations restricting us from certain land sizes or if your government doesn't want taller buildings)?:[/b]
Request a Loan
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Type and Sub-Type (if none are available, not including "Other", please leave "N/A"):[/b]
[b]Loan's Worth (amount of money requested in NSD):[/b]
[b]Repayment Time (please note loans are paid off through monthly payments until the loan and its interest are paid off completely):[/b]
[b]You hereby verify and accept the conditions specified in your loan agreement; this includes interest paid, money ceilings, monthly payments, and other special conditions associated to your loan agreement.:[/b]
[b]Other Information we should know about/you would like to share (if nothing please leave blank or "N/A":[/b]
Sell/Buy Bonds
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Buying or Selling (if buying, specify which Bond you'd like to purchase)?:[/b]
[b]Bond Holder (for buyers only):[/b]
[b]Amount of Bonds:[/b]
[b]Type of Bond (for sellers only; Municipal, Government, Currency, or Treasury - if currency, please specify national currency):[/b]
[b]Currency Exchange Rate (for sellers only, national currency vs NSD):[/b]
[b]Value per Individual Bond (for sellers only, in national currency & NSD):[/b]
[b]Bond Interest Rate (for sellers only, buyers disregard this question):[/b]
[b]Maturity (for sellers only, repayment time):[/b]
Sell/Buy Stock
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Name and Link to Storefront (if available):[/b]
[b]Country of Origin:[/b]
[b]Buying or Selling (if buying, specify which stock you wish to purchase)?:[/b]
[b]Company That Stock Is Being Purchased From (buyers only):[/b]
[b]Amount of Shares:[/b]
[b]Type of Stock (sellers only, Preferred or Common):[/b]
[b]Value per Share (sellers only, in NSD):[/b]
Buying Commoner Imperial Dollars
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Total Units For Purchase (purchases in NSD only):[/b]
Sell/Buy Gold and/or Silver
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Buying or Selling?:[/b]
[b]Seller You Are Buying Gold/Silver From:[/b]
[b]Amount of Gold/Silver (in ounces):[/b]
[b]Delivery Location (for buyers only):[/b]
Subscribe to Bancroft Business Assistance™
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[b]Applicant's Name:[/b]
[b]Representative's Name (if different from applicant's name, otherwise leave blank or "N/A"):[/b]
[b]Country of Origin:[/b]
[b]Name of Business and Link to Storefront (if available):[/b]
[b]You hereby verify and accept the conditions specified in your business' subscription agreement, such as the monthly subscription fee ($10 NSD monthly) or yearly subscription fee ($120 NSD).[/b]
[b]Subscription Type (monthly or yearly):[/b]
[b]Additional Information we should know about/you would like to share (if nothing please leave blank or "N/A":[/b]
[b]Final Note: Please use the app image code located at the top of the storefront page on your storefront if applicable. It helps advertise for Royal Bancroft Bankcorp and lets your customers know your finances are in good hands.[/b]
