Modern Weapons Cheat in Fantasy World-Chapter 30: Going to the Bank

The duel ended just like that with Bren conceding due to the pressure building around him. What started as a challenge quickly lost its ground. A few murmurs from the crowd, a glance from Darius, and even Lira’s quiet stare were enough to push him back.

It was a waste of time.

Marcus lowered the rifle and let it disappear back into his inventory.

"If possible, I would like to rest now. I’ll leave you be. It’s nice meeting you, and thank you for verifying my work out there."

He looked at Darius as he said it.

Darius gave a short nod. "It was verified," he replied. "No doubt about that."

Lira adjusted the strap of her satchel. "What we saw... that wasn’t normal," she added, more to herself than anyone else.

Marcus didn’t respond to that.

Bren stood still for a second, jaw tight, then let out a slow breath. The earlier aggression had faded, replaced by something quieter. Not respect. Not yet. But it wasn’t denial anymore either.

"...Yeah," Bren muttered. "We saw it."

No one pushed further.

"Sir Marcus," Elaina stepped forward. "I apologize for the inconvenience this may have caused you. For someone who has saved our city from a potential wyvern attack, this was... unnecessary."

Marcus waved it off lightly.

"It’s fine," he said. "Nothing happened."

Elaina’s expression softened, but she still looked slightly tense. Her eyes flicked briefly toward Bren before returning to Marcus.

"Even so," she continued, "the guild does not tolerate disputes like that within its grounds. I’ll make sure this doesn’t happen again."

Marcus nodded once.

"I appreciate it," he smiled.

With that, he turned and walked toward the bank.

The bank wasn’t far from the main square. He had already been there once before to cash his check. Today, he planned on depositing 70 percent of his money.

He turned the corner and the bank came into view.

Same as before.

One of them glanced at him as he approached.

"State your business," the guard said.

"Deposit."

The guard gave a short nod and stepped aside.

Marcus pushed the door open and stepped inside.

The noise of the street faded into the background. Inside, clerks stood behind wooden counters, working on papers.

Marcus walked to an open counter.

The clerk looked up.

"Yes, sir?"

"I’m here to make a deposit."

The clerk nodded.

"Account identification, please."

"Marcus Manfred," he said, putting his ID issued by the adventurer’s guild.

The moment the clerk saw his name, her eyes widened. He knew Marcus, the one that saved the city, but she has to be professional when dealing with a client so she keeps it to herself the urge to praise him or ask him.

"Identity confirmed, Marcus Manfred. You said you wanted to make a deposit. How much are we talking about?"

Instead, he reached into his inventory.

The iron-bound chest appeared on the counter with a heavy, solid thud.

The sound carried.

A few heads turned. One of the nearby clerks paused mid-writing. Even the guard near the door shifted his gaze slightly toward the counter.

The clerk in front of him didn’t react outwardly, but her posture straightened.

"...I see," she said, voice steady. "And how much of this will you be depositing?"

"Seventy percent," Marcus replied.

There was a brief pause.

"Seventy percent... of the entire chest?" she clarified.

"Yes."

The clerk gave a small nod.

"Understood. Please allow us a moment to verify and count the amount."

She raised her hand slightly.

Two more staff members approached, bringing with them wooden trays, counting rods, and ledgers. The chest was carefully turned, and stacks of gold coins were transferred in measured batches.

The process began. 𝕗𝕣𝐞𝐞𝘄𝐞𝚋𝚗𝗼𝘃𝗲𝗹.𝚌𝕠𝚖

Coins were grouped, counted, and recorded. One clerk handled the count. Another verified. The third wrote everything down.

Marcus stood there quietly.

Five million kinah.

Seventy percent. It’s three million five hundred thousand.

The reason why he wanted to deposit the money in the first place is for safekeeping. Sure, he could just place it in his inventory but he wanted to have some sense of legitimacy for his hard-earned money by putting it in the bank. And he knew it could yield interest, albeit a little.

"Three million five hundred thousand kinah confirmed," she said.

She turned to the ledger and began writing.

"Deposit under account—Marcus Manfred."

The quill moved steadily across the page. Ink pressed cleanly into parchment.

"Balance updated. Your account balance is now three million five hundred thousand and two hundred kinah," the clerk reported. "Do you have any questions?"

"Yes I do. Since this is a bank and I deposited a large amount of money, I wonder if it’s going to earn interest?"

The clerk paused for a brief moment, then nodded.

"Yes, it will," she said. "All deposits held within the bank are subject to interest accumulation."

Marcus leaned slightly on the counter.

"What’s the rate?"

"It depends on the amount and duration," she replied. "For standard accounts, the base rate is two percent annually. However—" she adjusted her spectacles slightly, "—for deposits exceeding one million kinah, the rate increases."

Marcus raised an eyebrow.

"To?"

"Three percent annually," she said. "Compounded at the end of each cycle."

Marcus did a quick calculation in his head.

Three million five hundred thousand at three percent...

That was over a hundred thousand kinah per year.

Not bad.

"Also, let’s say I plan to start a business. Kind of similar to adventurer’s guild where I take quests then get paid for the services. Do you happen to have an option for a business account?"

"We do," she said. "Business accounts are available for registered entities operating within Berm or under a recognized authority."

Marcus leaned slightly closer.

"What are the requirements?"

"You would need to declare the nature of your business, its scope of operations, and any partners or employees involved," she replied. "Additionally, there is a minimum capital requirement for activation."

"How much?"

"For a standard business account—fifty thousand kinah," she said. "For larger operations, the requirement scales depending on the expected volume."

Marcus nodded slowly.

That was nothing compared to what he had.

"And what are the benefits?" he asked.

The clerk folded her hands neatly on the counter.

"Higher transaction limits, secured transfers between branches, and priority processing," she explained. "You may also assign multiple authorized users under the account, which is useful if you plan to employ staff. I see I see...and this bank, it can also grant loans right? Like a personal or business loan..."

"Yes, we do offer loans," she said. "Both personal and business."

Marcus leaned slightly on the counter, listening.

"What’s the condition?"

"For personal loans," she began, "approval depends on account standing, deposit history, and repayment capability. For business loans, we require a registered operation, projected income, and in most cases—collateral."

"Interest rate?"

"Higher than deposit returns," she replied. "Typically five to eight percent annually, depending on risk and term."

Marcus nodded.

Figures.

"Maximum amount?"

"That depends on your holdings," she said. "For established clients, we can extend loans up to a percentage of their total deposited assets."

Marcus tapped the counter once.

"So if I have three and a half million in here..."

"You would qualify for a substantial credit line," she said calmly. "However, we always recommend responsible borrowing."

Marcus let out a quiet breath through his nose.

"Right."

He straightened slightly.

"I’m not taking one now. Just asking. By the way, thank you for answering my questions."

"No problem, it is our job as a clerk to provide satisfactory service to our clients. If there is anything you wish to know, please, you can come back anytime. You are welcome here, hero..."

"Hero?" Marcus pointed to himself and then realized. "I see. Thank you, I’ll be on my way."