Banking

The trick to banking is to balance your "Bank Population" to your "Population".

Your Population
Your Population is the number of people shown in the upper left-hand corner of your screen. With sufficient food and water in your Ration Truck - your Population should be maxed out to your Population Cap.

Your Population Cap is set by the number and level of your houses. To raise your Population Cap, upgrade your houses. However, increasing your Population Cap will increase the Food Cost, and Water Consumption [of your Ration Truck].

To access your Population Cap, tap on the Population count in the upper left-hand corner. To view your corresponding Food Cost and Water Consumption, tap on the !-in-triangle.

Your Bank Population
Your Bank Population is the minimum Population required to mantain 100% Money Efficiency [also called Bank Efficiency]. Any Population less than your Bank Population will result in a Money Efficiency of: "Efficiencymoney = Population / (Bank Population)."Money Efficiency is the ratio of actual money being produced, to the maximum money your banks can produce. Unless you have too much money, you want your Money Efficiency to be 100% at all times.

The obvious conclusion is that if you don't feed and water your populace, your population will decline and your Money Efficiency will suffer. So to maintain 100% Money Efficiency, keep your Population greater than your Bank Population - by always providing sufficient food and water, and by upgrading housing to raise your Population Cap.

Counter-Intuitive Interaction
If you ever notice your Money [Bank] Efficiency drop below 100%, your reaction might be to build more Banks. Doing so will only worsen the problem. The correct action is to increase your Population, by feeding, watering, and when necessary, building more housing.

When to Upgrade Banks
Whenever you upgrade your houses, consider a corresponding upgrade to your banks - always being careful to keep your Population Cap higher than your Bank Population.

Banking Heroes
Banking heroes can significantly effect money production. Available banking heroes are Accountant [green], Resistance Leader [blue], and Marketeer [purple].

Conclusions

 * Houses, population, and banks, in combination, provide a mechanism which converts Food and Water to Money - the ultimate sources for money production are food, water, and time.
 * Keep your populace fed and watered.
 * Keep your Population Cap higher than your Bank Population; do not over-build banks.
 * Only if your have a healthy supply of food and water, upgrade both banks and houses.