Bank Vaults
The four coloured bankers each guard a separate 200-slot vault that a 250,000-taro Membership Card unlocks for good; here is where they are and how it works.
Updated 2026-10-08bankvaultsstoragemembership cardstaros
Every character has a normal bank with 200 slots. On top of that, four special bankers each offer a separate vault with 200 more slots. Unlock all four and one character can store 1,000 stacks of items outside its bag.
The four bankers
Each banker wears a coat in the colour of the vault and has a Bank icon over the head. A Morbucks Accountant stands beside each one.
| Vault | Banker | Where (the Past) | Card |
|---|---|---|---|
| Gold | Gold Banker | Sector V, near the S.C.A.M.P.E.R. stop | Gold Membership Card |
| Ruby | Ruby Banker | Orchid Bay | Ruby Membership Card |
| Sapphire | Sapphire Banker | Townsville Center, next to Jerry Morbucks | Sapphire Membership Card |
| Emerald | Emerald Banker | Peach Creek Commons, next to JaeHoon Morbucks | Emerald Membership Card |
The four vaults are independent. What you put in the Gold vault is only in the Gold vault, so you have to visit that banker again to take it out.
Unlocking a vault
- Talk to any Morbucks Accountant. Every accountant sells all four Membership Cards, so you can buy the Ruby card in Sector V if that is where you are.
- Buy the card for the vault you want. Each card costs 250,000 taros.
- Open your bag and use the card once. The card is used up and that vault is unlocked permanently for this character.
- Talk to the banker of that colour to open the vault.
If you talk to a coloured banker before using the card, the game tells you that you must purchase access to this bank first.
Good to know:
- The unlock is per character and never runs out.
- You can use the card anywhere. You do not need to stand next to the banker.
- Cards can be traded, so a friend or another of your characters can buy one for you. An unused card sells back to a shop for 100,000 taros.
- A card for a vault you already own does nothing, so do not buy the same colour twice.
Using a bank or vault
The vault window works exactly like the normal bank:
- Drag items between your bag and the bank.
- Right-click an item in your bag to deposit it at once.
- Deposit several at once (web and mobile): press SELECT ITEMS, click or tap every item you want to store, then press DEPOSIT SELECTED. This is the easy way on a phone.
- Stacks merge with a matching stack that is already in the bank.
- Small green check marks show items that are already in your Item Collection.
The normal bank
The standard bank needs no card. Its bankers are members of the Morbucks family:
| Banker | Where |
|---|---|
| JaeHoon Morbucks | the starting cul-de-sac in the Future (Peach Creek Commons) |
| JaeHoon Morbucks | Peach Creek Commons in the Past |
| Jerry Morbucks | Townsville Center |
| Prince King Morbucks | Mount Blackhead |
The banker in the starting cul-de-sac was added on October 8, 2026, so new players can reach their bank from the first hour.
Is a vault worth it?
250,000 taros is a lot of money early on. A vault makes sense when:
- your bag and normal bank are full of gear you are saving for the Item Collection, for enchanting or for other characters;
- you sell in player stores and need room for stock;
- you want to sort items by purpose, for example one vault for crates and one for outfits.
Sort your normal bank first. Registering spare gear in the Item Collection frees slots at no cost.
Banker outfits
The bankers' coats, pants and shoes also exist as gear for players. They are Ultra Rare rewards from level 8 Sooper Dooper C.R.A.T.E.s. See New Outfits and Items.
History
- September 14, 2026: the four bankers and their 200-slot vaults arrive. A Membership Card costs 500,000 taros.
- Late September 2026: the price drops to 250,000 taros and every accountant sells all four cards. Right-click deposits and multi-item deposits are added. The Sapphire Banker moves to Townsville Center and all four bankers get Bank icons.
- October 8, 2026: a banker for the normal bank stands in the starting cul-de-sac.
