faq bank interest disabled

--

📉 FAQ: Bank Interest Disabled / Not Arriving

You expected interest to be applied to the bank every hour and it doesn't happen. Here's the checklist in order of probability.

1. bank.interest.enabled: false — master switch

bank:
  interest:
    enabled: true     # ← this is the general switch
    every_minutes: 60
    percent_per_period: 0.5

Even if percent_per_period is > 0, BankService.start() does not schedule the task if enabled is false (BankService.java:119-125):

boolean interestEnabled = isInterestEnabled();
if (interestEnabled && interestPct > 0 && interestMinutes > 0) {
    // schedule runTaskTimerAsynchronously
}

With enabled: false none of this happens.

2. percent_per_period is 0 or negative

Same guard: interestPct > 0. If you have it set to 0 (for testing) the task is not scheduled.

3. every_minutes is 0

Guard: interestMinutes = Math.max(1L, config.getLong(...)). Internally it is forced to 1; but if you set it very high (1440 = 1 day) you'll think it doesn't work until 24 hours have passed.

4. The player's bank balance is 0

Inside applyInterest():

for (Map.Entry<UUID, Double> e : bankBalances.entrySet()) {
    double bal = sanitize(e.getValue());
    if (bal <= 0) continue; // ← skips to the next one
    ...
}

A player with bank_balance = 0 will never have interest applied even if everything else is perfect. They must have deposited something first. /vault bank → Deposit.

5. Bank balance was not saved

BankService.depositBank(uuid, amount) writes to bank_balances.yml:

bankBalances.merge(uuid, amount, ...); save();

If the file is not written due to permissions (see Installation FAQ), on restart it goes back to 0 and point 4 kicks in. Check the modification time of bank_balances.yml.

6. Async scheduler cancelled or plugin disabled

interestTask is stored in a volatile BukkitTask. If there is an unhandled exception in some plugin that kills Bukkit's async thread, the task will not run again.

Quick diagnosis:

• Wait 1 minute and run /vault reload (recreates all services).
• If after the reload it starts working, the task was stopped. Look for warnings in the log from the last hour.

7. TAX confused with INTEREST

Both schedulers are independent:

bank:
  interest: { ... }  # ← gives money to the player
  tax:      { ... }  # ← TAKES money above bank.tax.threshold

If you confuse the two, you thought you were going to gain and ended up losing. Check /vault history looking for TxType.TAX or TxType.INTEREST. The bank GUI (SLOT_INFO slot 22) shows the next formatted interest/tax.

8. Interest does arrive but is minuscule

Formula: interest = bankBal × percent_per_period / 100.

With percent_per_period: 0.5:

• Bank = 100 → interest = 0.5
• Bank = 1,000 → interest = 5
• Bank = 1,000,000 → interest = 5,000

If you expected 5% and put 0.5 (0.5%) it's normal. Raise it to percent_per_period: 5.