Bank
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A bank can be found in each major city as a secure means to store that city's coffers, though it is also available for use to adventurers and other organisations, such as Divine Orders, Houses, and clans. The option of storing credits is also offered to Houses, cities, and Orders. While cities and Houses may use these credits for any number of purposes, Orders may only spend them on room credits to expand ships owned by the Order.
Services offered by banks are not completely free. In return for improved security, banks exact a 0.5% fee for every withdrawal or transfer of gold, whether for yourself or to another individual or organisation. Transactions involving credits, on the other hand, have no such fee applied to them.