diff --git a/src/collections/banking/BankAccounts.ts b/src/collections/banking/BankAccounts.ts
new file mode 100644
index 0000000..4c46e87
--- /dev/null
+++ b/src/collections/banking/BankAccounts.ts
@@ -0,0 +1,96 @@
+import { CollectionConfig } from "payload";
+import { isDeveloper } from "@/utils/access-control/isRole";
+import hasRoles from "@/utils/access-control/hasRoles";
+
+export const BankAccounts: CollectionConfig = {
+  slug: "bank-accounts",
+  admin: {
+    group: "Banking",
+    useAsTitle: "name",
+    defaultColumns: ["name", "accountType", "ownerUser", "ownerFaction", "balance", "status", "currency"],
+  },
+  access: {
+    read: ({ req }) => !!req.user,
+    create: ({ req }) => hasRoles(["admin", "developer"], req.user),
+    update: ({ req }) => hasRoles(["admin", "developer"], req.user),
+    delete: isDeveloper,
+  },
+  fields: [
+    {
+      name: "name",
+      type: "text",
+      required: true,
+      admin: {
+        description: "Display name for the account (e.g., \"Unit Treasury\", \"Red Faction Reserve\").",
+      },
+    },
+    {
+      name: "accountType",
+      type: "select",
+      required: true,
+      defaultValue: "personal",
+      options: [
+        { label: "Treasury", value: "treasury" },
+        { label: "Faction", value: "faction" },
+        { label: "Personal", value: "personal" },
+      ],
+      admin: {
+        description: "Treasury = unit-level central funds. Faction = a specific faction's funds. Personal = an individual operator's wallet.",
+      },
+    },
+    {
+      name: "ownerFaction",
+      type: "relationship",
+      relationTo: "factions",
+      admin: {
+        condition: (data, siblingData) =>
+          (siblingData?.accountType ?? data?.accountType) === "faction",
+        description: "The faction that owns this account.",
+      },
+    },
+    {
+      name: "ownerUser",
+      type: "relationship",
+      relationTo: "users",
+      admin: {
+        condition: (data, siblingData) =>
+          (siblingData?.accountType ?? data?.accountType) === "personal",
+        description: "The operator who owns this personal account.",
+      },
+    },
+    {
+      name: "currency",
+      type: "relationship",
+      relationTo: "resources",
+      required: true,
+      admin: {
+        description: "The currency this account is denominated in (normally the main currency set in Game Rules).",
+      },
+    },
+    {
+      name: "balance",
+      type: "number",
+      defaultValue: 0,
+      admin: {
+        readOnly: true,
+        description: "Current account balance. Maintained automatically by banking transactions.",
+      },
+    },
+    {
+      name: "status",
+      type: "select",
+      required: true,
+      defaultValue: "open",
+      options: [
+        { label: "Open", value: "open" },
+        { label: "Frozen", value: "frozen" },
+        { label: "Closed", value: "closed" },
+      ],
+    },
+    {
+      name: "createdAt",
+      type: "date",
+      defaultValue: () => new Date().toISOString(),
+    },
+  ],
+};
diff --git a/src/collections/banking/BankTransactions.ts b/src/collections/banking/BankTransactions.ts
new file mode 100644
index 0000000..06ff7b0
--- /dev/null
+++ b/src/collections/banking/BankTransactions.ts
@@ -0,0 +1,140 @@
+import { CollectionConfig } from "payload";
+import { isDeveloper } from "@/utils/access-control/isRole";
+
+export const BankTransactions: CollectionConfig = {
+  slug: "bank-transactions",
+  admin: {
+    group: "Banking",
+    useAsTitle: "transactionNumber",
+    defaultColumns: [
+      "transactionNumber",
+      "type",
+      "fromAccount",
+      "toAccount",
+      "amount",
+      "status",
+      "timestamp",
+    ],
+    pagination: { defaultLimit: 50 },
+  },
+  access: {
+    read: ({ req }) => !!req.user,
+    create: isDeveloper,
+    update: isDeveloper,
+    delete: isDeveloper,
+  },
+  hooks: {
+    beforeValidate: [
+      async ({ data, operation }) => {
+        if (operation === "create" && data && !data.transactionNumber) {
+          const stamp = Date.now().toString(36).toUpperCase();
+          const rand = Math.random().toString(36).slice(2, 6).toUpperCase();
+          return { ...data, transactionNumber: `TXN-${stamp}-${rand}` };
+        }
+        return data;
+      },
+    ],
+  },
+  fields: [
+    {
+      name: "transactionNumber",
+      type: "text",
+      required: true,
+      unique: true,
+      admin: {
+        readOnly: true,
+        description: "Auto-generated reference number.",
+      },
+    },
+    {
+      name: "type",
+      type: "select",
+      required: true,
+      options: [
+        { label: "Deposit", value: "deposit" },
+        { label: "Withdrawal", value: "withdrawal" },
+        { label: "Transfer", value: "transfer" },
+        { label: "Payment", value: "payment" },
+        { label: "Fee", value: "fee" },
+        { label: "Salary", value: "salary" },
+        { label: "Adjustment", value: "adjustment" },
+      ],
+    },
+    {
+      name: "fromAccount",
+      type: "relationship",
+      relationTo: "bank-accounts",
+      admin: {
+        description: "Source account (empty for external deposits / incoming funds).",
+      },
+    },
+    {
+      name: "toAccount",
+      type: "relationship",
+      relationTo: "bank-accounts",
+      admin: {
+        description: "Destination account (empty for external withdrawals / outgoing payments).",
+      },
+    },
+    {
+      name: "amount",
+      type: "number",
+      required: true,
+      min: 1,
+      admin: {
+        description: "Gross amount moved. Withdrawals may be split as amount + fee.",
+      },
+    },
+    {
+      name: "fee",
+      type: "number",
+      defaultValue: 0,
+      min: 0,
+      admin: {
+        description: "Transaction fee debited from the source in addition to the amount.",
+      },
+    },
+    {
+      name: "memo",
+      type: "textarea",
+      admin: {
+        description: "Human-readable note attached to the transaction.",
+      },
+    },
+    {
+      name: "actor",
+      type: "relationship",
+      relationTo: "users",
+      admin: {
+        description: "User who initiated the transaction.",
+      },
+    },
+    {
+      name: "status",
+      type: "select",
+      required: true,
+      defaultValue: "completed",
+      options: [
+        { label: "Completed", value: "completed" },
+        { label: "Reversed", value: "reversed" },
+      ],
+    },
+    {
+      name: "reference",
+      type: "relationship",
+      relationTo: "bank-transactions",
+      admin: {
+        description: "Original transaction, when this one is a reversal.",
+      },
+    },
+    {
+      name: "timestamp",
+      type: "date",
+      required: true,
+      defaultValue: () => new Date().toISOString(),
+      admin: {
+        date: { pickerAppearance: "dayAndTime" },
+      },
+    },
+  ],
+};
diff --git a/src/collections/banking/LedgerEntries.ts b/src/collections/banking/LedgerEntries.ts
new file mode 100644
index 0000000..a6967ee
--- /dev/null
+++ b/src/collections/banking/LedgerEntries.ts
@@ -0,0 +1,81 @@
+import { CollectionConfig } from "payload";
+import { isDeveloper } from "@/utils/access-control/isRole";
+
+export const LedgerEntries: CollectionConfig = {
+  slug: "ledger-entries",
+  admin: {
+    group: "Banking",
+    useAsTitle: "memo",
+    defaultColumns: ["account", "timestamp", "type", "amount", "balanceAfter"],
+    pagination: { defaultLimit: 50 },
+  },
+  access: {
+    read: ({ req }) => !!req.user,
+    create: isDeveloper,
+    update: isDeveloper,
+    delete: isDeveloper,
+  },
+  fields: [
+    {
+      name: "account",
+      type: "relationship",
+      relationTo: "bank-accounts",
+      required: true,
+      index: true,
+      admin: {
+        description: "The account this ledger entry applies to.",
+      },
+    },
+    {
+      name: "transaction",
+      type: "relationship",
+      relationTo: "bank-transactions",
+      required: true,
+      admin: {
+        description: "The originating bank transaction.",
+      },
+    },
+    {
+      name: "type",
+      type: "select",
+      required: true,
+      options: [
+        { label: "Deposit", value: "deposit" },
+        { label: "Withdrawal", value: "withdrawal" },
+        { label: "Transfer", value: "transfer" },
+        { label: "Payment", value: "payment" },
+        { label: "Fee", value: "fee" },
+        { label: "Salary", value: "salary" },
+        { label: "Adjustment", value: "adjustment" },
+      ],
+    },
+    {
+      name: "amount",
+      type: "number",
+      required: true,
+      admin: {
+        description: "Signed amount: positive = credit into the account, negative = debit out.",
+      },
+    },
+    {
+      name: "balanceAfter",
+      type: "number",
+      admin: {
+        description: "Account balance immediately after this entry was applied.",
+      },
+    },
+    {
+      name: "memo",
+      type: "text",
+    },
+    {
+      name: "timestamp",
+      type: "date",
+      required: true,
+      defaultValue: () => new Date().toISOString(),
+      admin: {
+        date: { pickerAppearance: "dayAndTime" },
+      },
+    },
+  ],
+};
diff --git a/src/payload-generated-schema.ts b/src/payload-generated-schema.ts
index db736f9..b194382 100644
--- a/src/payload-generated-schema.ts
+++ b/src/payload-generated-schema.ts
@@ -47,6 +47,9 @@ export const enum_game_event_logs_target_collection = pgEnum(
     "technologies",
     "maps",
     "shipments",
+    "bank-accounts",
+    "bank-transactions",
+    "ledger-entries",
   ],
 );
 export const enum_users_roles = pgEnum("enum_users_roles", ["guest", "user", "admin", "developer"]);
@@ -235,6 +238,38 @@ export const enum_shipments_status = pgEnum("enum_shipments_status", [
   "failed",
   "stranded",
 ]);
+export const enum_bank_accounts_account_type = pgEnum("enum_bank_accounts_account_type", [
+  "treasury",
+  "faction",
+  "personal",
+]);
+export const enum_bank_accounts_status = pgEnum("enum_bank_accounts_status", [
+  "open",
+  "frozen",
+  "closed",
+]);
+export const enum_bank_transactions_type = pgEnum("enum_bank_transactions_type", [
+  "deposit",
+  "withdrawal",
+  "transfer",
+  "payment",
+  "fee",
+  "salary",
+  "adjustment",
+]);
+export const enum_bank_transactions_status = pgEnum("enum_bank_transactions_status", [
+  "completed",
+  "reversed",
+]);
+export const enum_ledger_entries_type = pgEnum("enum_ledger_entries_type", [
+  "deposit",
+  "withdrawal",
+  "transfer",
+  "payment",
+  "fee",
+  "salary",
+  "adjustment",
+]);
 export const enum_narrative_events_triggers_type = pgEnum("enum_narrative_events_triggers_type", [
   "manual",
   "mission_complete",
@@ -2103,6 +2138,123 @@ export const shipments_rels = pgTable(
   ],
 );
 
+export const bank_accounts = pgTable(
+  "bank_accounts",
+  {
+    id: serial("id").primaryKey(),
+    name: varchar("name").notNull(),
+    accountType: enum_bank_accounts_account_type("account_type").notNull().default("personal"),
+    ownerFaction: integer("owner_faction_id").references(() => factions.id, {
+      onDelete: "set null",
+    }),
+    ownerUser: integer("owner_user_id").references(() => users.id, {
+      onDelete: "set null",
+    }),
+    currency: integer("currency_id")
+      .notNull()
+      .references(() => resources.id, {
+        onDelete: "set null",
+      }),
+    balance: numeric("balance", { mode: "number" }).default(0),
+    status: enum_bank_accounts_status("status").notNull().default("open"),
+    createdAt: timestamp("created_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+    updatedAt: timestamp("updated_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+  },
+  (columns) => [
+    index("bank_accounts_owner_faction_idx").on(columns.ownerFaction),
+    index("bank_accounts_owner_user_idx").on(columns.ownerUser),
+    index("bank_accounts_currency_idx").on(columns.currency),
+    index("bank_accounts_updated_at_idx").on(columns.updatedAt),
+  ],
+);
+
+export const bank_transactions = pgTable(
+  "bank_transactions",
+  {
+    id: serial("id").primaryKey(),
+    transactionNumber: varchar("transaction_number").notNull(),
+    type: enum_bank_transactions_type("type").notNull(),
+    fromAccount: integer("from_account_id").references(() => bank_accounts.id, {
+      onDelete: "set null",
+    }),
+    toAccount: integer("to_account_id").references(() => bank_accounts.id, {
+      onDelete: "set null",
+    }),
+    amount: numeric("amount", { mode: "number" }).notNull(),
+    fee: numeric("fee", { mode: "number" }).default(0),
+    memo: varchar("memo"),
+    actor: integer("actor_id").references(() => users.id, {
+      onDelete: "set null",
+    }),
+    status: enum_bank_transactions_status("status").notNull().default("completed"),
+    reference: integer("reference_id").references((): AnyPgColumn => bank_transactions.id, {
+      onDelete: "set null",
+    }),
+    timestamp: timestamp("timestamp", {
+      mode: "string",
+      withTimezone: true,
+      precision: 3,
+    }).notNull(),
+    updatedAt: timestamp("updated_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+    createdAt: timestamp("created_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+  },
+  (columns) => [
+    uniqueIndex("bank_transactions_transaction_number_idx").on(columns.transactionNumber),
+    index("bank_transactions_from_account_idx").on(columns.fromAccount),
+    index("bank_transactions_to_account_idx").on(columns.toAccount),
+    index("bank_transactions_actor_idx").on(columns.actor),
+    index("bank_transactions_reference_idx").on(columns.reference),
+    index("bank_transactions_updated_at_idx").on(columns.updatedAt),
+    index("bank_transactions_created_at_idx").on(columns.createdAt),
+  ],
+);
+
+export const ledger_entries = pgTable(
+  "ledger_entries",
+  {
+    id: serial("id").primaryKey(),
+    account: integer("account_id")
+      .notNull()
+      .references(() => bank_accounts.id, {
+        onDelete: "set null",
+      }),
+    transaction: integer("transaction_id")
+      .notNull()
+      .references(() => bank_transactions.id, {
+        onDelete: "set null",
+      }),
+    type: enum_ledger_entries_type("type").notNull(),
+    amount: numeric("amount", { mode: "number" }).notNull(),
+    balanceAfter: numeric("balance_after", { mode: "number" }),
+    memo: varchar("memo"),
+    timestamp: timestamp("timestamp", {
+      mode: "string",
+      withTimezone: true,
+      precision: 3,
+    }).notNull(),
+    updatedAt: timestamp("updated_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+    createdAt: timestamp("created_at", { mode: "string", withTimezone: true, precision: 3 })
+      .defaultNow()
+      .notNull(),
+  },
+  (columns) => [
+    index("ledger_entries_account_idx").on(columns.account),
+    index("ledger_entries_transaction_idx").on(columns.transaction),
+    index("ledger_entries_updated_at_idx").on(columns.updatedAt),
+    index("ledger_entries_created_at_idx").on(columns.createdAt),
+  ],
+);
+
 export const maps = pgTable(
   "maps",
   {
@@ -2271,6 +2423,9 @@ export const payload_locked_documents_rels = pgTable(
     vehiclesID: integer("vehicles_id"),
     structuresID: integer("structures_id"),
     shipmentsID: integer("shipments_id"),
+    "bank-accountsID": integer("bank_accounts_id"),
+    "bank-transactionsID": integer("bank_transactions_id"),
+    "ledger-entriesID": integer("ledger_entries_id"),
     mapsID: integer("maps_id"),
     "narrative-eventsID": integer("narrative_events_id"),
     "mission-filesID": integer("mission_files_id"),
@@ -2303,6 +2458,11 @@ export const payload_locked_documents_rels = pgTable(
     index("payload_locked_documents_rels_vehicles_id_idx").on(columns.vehiclesID),
     index("payload_locked_documents_rels_structures_id_idx").on(columns.structuresID),
     index("payload_locked_documents_rels_shipments_id_idx").on(columns.shipmentsID),
+    index("payload_locked_documents_rels_bank_accounts_id_idx").on(columns["bank-accountsID"]),
+    index("payload_locked_documents_rels_bank_transactions_id_idx").on(
+      columns["bank-transactionsID"],
+    ),
+    index("payload_locked_documents_rels_ledger_entries_id_idx").on(columns["ledger-entriesID"]),
     index("payload_locked_documents_rels_maps_id_idx").on(columns.mapsID),
     index("payload_locked_documents_rels_narrative_events_id_idx").on(
       columns["narrative-eventsID"],
@@ -2419,6 +2579,21 @@ export const payload_locked_documents_rels = pgTable(
       foreignColumns: [shipments.id],
       name: "payload_locked_documents_rels_shipments_fk",
     }).onDelete("cascade"),
+    foreignKey({
+      columns: [columns["bank-accountsID"]],
+      foreignColumns: [bank_accounts.id],
+      name: "payload_locked_documents_rels_bank_accounts_fk",
+    }).onDelete("cascade"),
+    foreignKey({
+      columns: [columns["bank-transactionsID"]],
+      foreignColumns: [bank_transactions.id],
+      name: "payload_locked_documents_rels_bank_transactions_fk",
+    }).onDelete("cascade"),
+    foreignKey({
+      columns: [columns["ledger-entriesID"]],
+      foreignColumns: [ledger_entries.id],
+      name: "payload_locked_documents_rels_ledger_entries_fk",
+    }).onDelete("cascade"),
     foreignKey({
       columns: [columns["mapsID"]],
       foreignColumns: [maps.id],
@@ -3387,6 +3562,57 @@ export const relations_shipments = relations(shipments, ({ one, many }) => ({
     relationName: "_rels",
   }),
 }));
+export const relations_bank_accounts = relations(bank_accounts, ({ one }) => ({
+  ownerFaction: one(factions, {
+    fields: [bank_accounts.ownerFaction],
+    references: [factions.id],
+    relationName: "ownerFaction",
+  }),
+  ownerUser: one(users, {
+    fields: [bank_accounts.ownerUser],
+    references: [users.id],
+    relationName: "ownerUser",
+  }),
+  currency: one(resources, {
+    fields: [bank_accounts.currency],
+    references: [resources.id],
+    relationName: "currency",
+  }),
+}));
+export const relations_bank_transactions = relations(bank_transactions, ({ one }) => ({
+  fromAccount: one(bank_accounts, {
+    fields: [bank_transactions.fromAccount],
+    references: [bank_accounts.id],
+    relationName: "fromAccount",
+  }),
+  toAccount: one(bank_accounts, {
+    fields: [bank_transactions.toAccount],
+    references: [bank_accounts.id],
+    relationName: "toAccount",
+  }),
+  actor: one(users, {
+    fields: [bank_transactions.actor],
+    references: [users.id],
+    relationName: "actor",
+  }),
+  reference: one(bank_transactions, {
+    fields: [bank_transactions.reference],
+    references: [bank_transactions.id],
+    relationName: "reference",
+  }),
+}));
+export const relations_ledger_entries = relations(ledger_entries, ({ one }) => ({
+  account: one(bank_accounts, {
+    fields: [ledger_entries.account],
+    references: [bank_accounts.id],
+    relationName: "account",
+  }),
+  transaction: one(bank_transactions, {
+    fields: [ledger_entries.transaction],
+    references: [bank_transactions.id],
+    relationName: "transaction",
+  }),
+}));
 export const relations_maps = relations(maps, () => ({}));
 export const relations_narrative_events = relations(narrative_events, () => ({}));
 export const relations_mission_files = relations(mission_files, ({ one }) => ({
@@ -3517,6 +3743,21 @@ export const relations_payload_locked_documents_rels = relations(
       references: [shipments.id],
       relationName: "shipments",
     }),
+    "bank-accountsID": one(bank_accounts, {
+      fields: [payload_locked_documents_rels["bank-accountsID"]],
+      references: [bank_accounts.id],
+      relationName: "bank-accounts",
+    }),
+    "bank-transactionsID": one(bank_transactions, {
+      fields: [payload_locked_documents_rels["bank-transactionsID"]],
+      references: [bank_transactions.id],
+      relationName: "bank-transactions",
+    }),
+    "ledger-entriesID": one(ledger_entries, {
+      fields: [payload_locked_documents_rels["ledger-entriesID"]],
+      references: [ledger_entries.id],
+      relationName: "ledger-entries",
+    }),
     mapsID: one(maps, {
       fields: [payload_locked_documents_rels.mapsID],
       references: [maps.id],
@@ -3626,6 +3867,11 @@ type DatabaseSchema = {
   enum_structures_terrain_type: typeof enum_structures_terrain_type;
   enum_structures_function_type: typeof enum_structures_function_type;
   enum_shipments_status: typeof enum_shipments_status;
+  enum_bank_accounts_account_type: typeof enum_bank_accounts_account_type;
+  enum_bank_accounts_status: typeof enum_bank_accounts_status;
+  enum_bank_transactions_type: typeof enum_bank_transactions_type;
+  enum_bank_transactions_status: typeof enum_bank_transactions_status;
+  enum_ledger_entries_type: typeof enum_ledger_entries_type;
   enum_narrative_events_triggers_type: typeof enum_narrative_events_triggers_type;
   media: typeof media;
   game_hard_resources: typeof game_hard_resources;
@@ -3689,6 +3935,9 @@ type DatabaseSchema = {
   shipments_cargo: typeof shipments_cargo;
   shipments: typeof shipments;
   shipments_rels: typeof shipments_rels;
+  bank_accounts: typeof bank_accounts;
+  bank_transactions: typeof bank_transactions;
+  ledger_entries: typeof ledger_entries;
   maps: typeof maps;
   narrative_events: typeof narrative_events;
   mission_files: typeof mission_files;
@@ -3763,6 +4012,9 @@ type DatabaseSchema = {
   relations_shipments_cargo: typeof relations_shipments_cargo;
   relations_shipments_rels: typeof relations_shipments_rels;
   relations_shipments: typeof relations_shipments;
+  relations_bank_accounts: typeof relations_bank_accounts;
+  relations_bank_transactions: typeof relations_bank_transactions;
+  relations_ledger_entries: typeof relations_ledger_entries;
   relations_maps: typeof relations_maps;
   relations_narrative_events: typeof relations_narrative_events;
   relations_mission_files: typeof relations_mission_files;
diff --git a/src/payload-types.ts b/src/payload-types.ts
index 33eaf85..cbaf95d 100644
--- a/src/payload-types.ts
+++ b/src/payload-types.ts
@@ -88,6 +88,9 @@ export interface Config {
     vehicles: Vehicle;
     structures: Structure;
     shipments: Shipment;
+    'bank-accounts': BankAccount;
+    'bank-transactions': BankTransaction;
+    'ledger-entries': LedgerEntry;
     maps: Map;
     'narrative-events': NarrativeEvent;
     'mission-files': MissionFile;
@@ -127,6 +130,9 @@ export interface Config {
     vehicles: VehiclesSelect<false> | VehiclesSelect<true>;
     structures: StructuresSelect<false> | StructuresSelect<true>;
     shipments: ShipmentsSelect<false> | ShipmentsSelect<true>;
+    'bank-accounts': BankAccountsSelect<false> | BankAccountsSelect<true>;
+    'bank-transactions': BankTransactionsSelect<false> | BankTransactionsSelect<true>;
+    'ledger-entries': LedgerEntriesSelect<false> | LedgerEntriesSelect<true>;
     maps: MapsSelect<false> | MapsSelect<true>;
     'narrative-events': NarrativeEventsSelect<false> | NarrativeEventsSelect<true>;
     'mission-files': MissionFilesSelect<false> | MissionFilesSelect<true>;
@@ -1081,6 +1087,9 @@ export interface GameEventLog {
         | 'technologies'
         | 'maps'
         | 'shipments'
+        | 'bank-accounts'
+        | 'bank-transactions'
+        | 'ledger-entries'
       )
     | null;
   targetId?: number | null;
@@ -1609,6 +1618,112 @@ export interface Shipment {
   updatedAt: string;
   createdAt: string;
 }
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "bank-accounts".
+ */
+export interface BankAccount {
+  id: number;
+  /**
+   * Display name for the account (e.g., "Unit Treasury", "Red Faction Reserve").
+   */
+  name: string;
+  /**
+   * Treasury = unit-level central funds. Faction = a specific faction's funds. Personal = an individual operator's wallet.
+   */
+  accountType: 'treasury' | 'faction' | 'personal';
+  /**
+   * The faction that owns this account.
+   */
+  ownerFaction?: (number | null) | Faction;
+  /**
+   * The operator who owns this personal account.
+   */
+  ownerUser?: (number | null) | User;
+  /**
+   * The currency this account is denominated in (normally the main currency set in Game Rules).
+   */
+  currency: number | Resource;
+  /**
+   * Current account balance. Maintained automatically by banking transactions.
+   */
+  balance?: number | null;
+  status: 'open' | 'frozen' | 'closed';
+  createdAt: string;
+  updatedAt: string;
+}
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "bank-transactions".
+ */
+export interface BankTransaction {
+  id: number;
+  /**
+   * Auto-generated reference number.
+   */
+  transactionNumber: string;
+  type: 'deposit' | 'withdrawal' | 'transfer' | 'payment' | 'fee' | 'salary' | 'adjustment';
+  /**
+   * Source account (empty for external deposits / incoming funds).
+   */
+  fromAccount?: (number | null) | BankAccount;
+  /**
+   * Destination account (empty for external withdrawals / outgoing payments).
+   */
+  toAccount?: (number | null) | BankAccount;
+  /**
+   * Gross amount moved. Withdrawals may be split as amount + fee.
+   */
+  amount: number;
+  /**
+   * Transaction fee debited from the source in addition to the amount.
+   */
+  fee?: number | null;
+  /**
+   * Human-readable note attached to the transaction.
+   */
+  memo?: string | null;
+  /**
+   * User who initiated the transaction.
+   */
+  actor?: (number | null) | User;
+  status: 'completed' | 'reversed';
+  /**
+   * Original transaction, when this one is a reversal.
+   */
+  reference?: (number | null) | BankTransaction;
+  timestamp: string;
+  updatedAt: string;
+  createdAt: string;
+}
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "ledger-entries".
+ */
+export interface LedgerEntry {
+  id: number;
+  /**
+   * The account this ledger entry applies to.
+   */
+  account: number | BankAccount;
+  /**
+   * The originating bank transaction.
+   */
+  transaction: number | BankTransaction;
+  type: 'deposit' | 'withdrawal' | 'transfer' | 'payment' | 'fee' | 'salary' | 'adjustment';
+  /**
+   * Signed amount: positive = credit into the account, negative = debit out.
+   */
+  amount: number;
+  /**
+   * Account balance immediately after this entry was applied.
+   */
+  balanceAfter?: number | null;
+  memo?: string | null;
+  timestamp: string;
+  updatedAt: string;
+  createdAt: string;
+}
 /**
  * This interface was referenced by `Config`'s JSON-Schema
  * via the `definition` "narrative-events".
@@ -1758,6 +1873,18 @@ export interface PayloadLockedDocument {
         relationTo: 'shipments';
         value: number | Shipment;
       } | null)
+    | ({
+        relationTo: 'bank-accounts';
+        value: number | BankAccount;
+      } | null)
+    | ({
+        relationTo: 'bank-transactions';
+        value: number | BankTransaction;
+      } | null)
+    | ({
+        relationTo: 'ledger-entries';
+        value: number | LedgerEntry;
+      } | null)
     | ({
         relationTo: 'maps';
         value: number | Map;
@@ -2541,6 +2668,55 @@ export interface ShipmentsSelect<T extends boolean = true> {
   updatedAt?: T;
   createdAt?: T;
 }
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "bank-accounts_select".
+ */
+export interface BankAccountsSelect<T extends boolean = true> {
+  name?: T;
+  accountType?: T;
+  ownerFaction?: T;
+  ownerUser?: T;
+  currency?: T;
+  balance?: T;
+  status?: T;
+  createdAt?: T;
+  updatedAt?: T;
+}
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "bank-transactions_select".
+ */
+export interface BankTransactionsSelect<T extends boolean = true> {
+  transactionNumber?: T;
+  type?: T;
+  fromAccount?: T;
+  toAccount?: T;
+  amount?: T;
+  fee?: T;
+  memo?: T;
+  actor?: T;
+  status?: T;
+  reference?: T;
+  timestamp?: T;
+  updatedAt?: T;
+  createdAt?: T;
+}
+/**
+ * This interface was referenced by `Config`'s JSON-Schema
+ * via the `definition` "ledger-entries_select".
+ */
+export interface LedgerEntriesSelect<T extends boolean = true> {
+  account?: T;
+  transaction?: T;
+  type?: T;
+  amount?: T;
+  balanceAfter?: T;
+  memo?: T;
+  timestamp?: T;
+  updatedAt?: T;
+  createdAt?: T;
+}
 /**
  * This interface was referenced by `Config`'s JSON-Schema
  * via the `definition` "maps_select".
diff --git a/src/payload.config.ts b/src/payload.config.ts
index b87512b..f588d78 100644
--- a/src/payload.config.ts
+++ b/src/payload.config.ts
@@ -32,6 +32,9 @@ import { GameHardResources } from "@/collections/game/GameHardResources";
 import { GameEventLogs } from "@/collections/game/GameEventLogs";
 import { GameVehicles } from "@/collections/game/GameVehicles";
 import { Experience } from "@/collections/users/Experience";
+import { BankAccounts } from "@/collections/banking/BankAccounts";
+import { BankTransactions } from "@/collections/banking/BankTransactions";
+import { LedgerEntries } from "@/collections/banking/LedgerEntries";
 import { nodemailerAdapter } from "@payloadcms/email-nodemailer";
 import nodemailer from "nodemailer";
 
@@ -96,6 +99,11 @@ export default buildConfig({
     Structures,
     Shipments,
 
+    // Banking
+    BankAccounts,
+    BankTransactions,
+    LedgerEntries,
+
     // World
     Maps,
     NarrativeEvents,