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.

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Bank Interest Not Applied

FAQ: Bank Interest Disabled / Not Arriving

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

2. `percent_per_period` is 0 or negative

3. `every_minutes` is 0

4. The player’s bank balance is 0

5. Bank balance was not saved

6. Async scheduler cancelled or plugin disabled

7. TAX confused with INTEREST

8. Interest does arrive but is minuscule

​FAQ: Bank Interest Disabled / Not Arriving

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

​2. percent_per_period is 0 or negative

​3. every_minutes is 0

​4. The player’s bank balance is 0

​5. Bank balance was not saved

​6. Async scheduler cancelled or plugin disabled

​7. TAX confused with INTEREST

​8. Interest does arrive but is minuscule

FAQ: Bank Interest Disabled / Not Arriving

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

2. `percent_per_period` is 0 or negative

3. `every_minutes` is 0

4. The player’s bank balance is 0

5. Bank balance was not saved

6. Async scheduler cancelled or plugin disabled

7. TAX confused with INTEREST

8. Interest does arrive but is minuscule