diff --git a/src/app/(frontend)/logistics/banking/actions.ts b/src/app/(frontend)/logistics/banking/actions.ts
new file mode 100644
index 0000000..9038dc4
--- /dev/null
+++ b/src/app/(frontend)/logistics/banking/actions.ts
@@ -0,0 +1,304 @@
+"use server";
+
+import config from "@payload-config";
+import { getPayload } from "payload";
+import type { User } from "@/payload-types";
+import hasRoles from "@/utils/access-control/hasRoles";
+import { hasLogisticsQualification } from "@/utils/access-control/hasLogisticsQualification";
+import { emitGameEvent } from "@/utils/event-log/emit";
+import { EventTypes } from "@/utils/event-log/eventTypes";
+import {
+  applyTransaction,
+  createAccount,
+  ensurePersonalAccount,
+  getMainCurrencyName,
+} from "@/lib/banking";
+
+interface ActionResult<T = undefined> {
+  success: boolean;
+  error?: string;
+  data?: T;
+}
+
+async function authenticate() {
+  const payloadConfig = await config;
+  const payload = await getPayload({ config: payloadConfig });
+  const { headers } = await import("next/headers");
+  const hdrs = await headers();
+  const { user } = await payload.auth({
+    headers: hdrs,
+    canSetHeaders: false,
+  });
+
+  if (!user) {
+    throw new Error("Unauthorized");
+  }
+
+  return { payload, user };
+}
+
+async function isBankingManager(
+  payload: Awaited<ReturnType<typeof getPayload>>,
+  user: User,
+): Promise<boolean> {
+  if (hasRoles(["admin", "developer"], user)) return true;
+  return hasLogisticsQualification(payload, user);
+}
+
+export async function createBankAccount(input: {
+  name: string;
+  accountType: "treasury" | "faction" | "personal";
+  ownerFactionId?: number;
+  ownerUserId?: number;
+}): Promise<ActionResult<number>> {
+  try {
+    const { payload, user } = await authenticate();
+    const manager = await isBankingManager(payload, user);
+
+    if (input.accountType === "personal") {
+      const ownerId = input.ownerUserId ?? (user.id as number);
+      if (!manager && ownerId !== user.id) {
+        return {
+          success: false,
+          error: "You can only create a personal account for yourself.",
+        };
+      }
+      const existing = await payload.find({
+        collection: "bank-accounts",
+        where: {
+          and: [
+            { accountType: { equals: "personal" } },
+            { ownerUser: { equals: ownerId } },
+          ],
+        },
+        limit: 1,
+        depth: 0,
+        overrideAccess: true,
+      });
+      if (existing.docs.length > 0) {
+        return {
+          success: false,
+          error: "This user already has a personal account.",
+        };
+      }
+      const account = await createAccount(payload, {
+        name: input.name,
+        accountType: "personal",
+        ownerUserId: ownerId,
+      });
+      await emitGameEvent(payload, {
+        type: EventTypes.BankAccountCreate,
+        message: `Created personal account "${account.name}"`,
+        actor: user.id,
+        targetCollection: "bank-accounts",
+        targetId: account.id,
+        data: { accountType: "personal", ownerUserId: ownerId },
+      });
+      return { success: true, data: account.id };
+    }
+
+    if (!manager) {
+      return {
+        success: false,
+        error:
+          "Insufficient permissions. Logistics personnel or higher can manage unit accounts.",
+      };
+    }
+
+    if (input.accountType === "faction" && !input.ownerFactionId) {
+      return {
+        success: false,
+        error: "A faction account requires an owner faction.",
+      };
+    }
+
+    const account = await createAccount(payload, {
+      name: input.name,
+      accountType: input.accountType,
+      ownerFactionId: input.ownerFactionId,
+    });
+    await emitGameEvent(payload, {
+      type: EventTypes.BankAccountCreate,
+      message: `Created ${input.accountType} account "${account.name}"`,
+      actor: user.id,
+      targetCollection: "bank-accounts",
+      targetId: account.id,
+      data: { accountType: input.accountType, ownerFactionId: input.ownerFactionId },
+    });
+    return { success: true, data: account.id };
+  } catch (error) {
+    const message = error instanceof Error ? error.message : "Unknown error";
+    if (message === "Unauthorized") {
+      return { success: false, error: "You must be logged in." };
+    }
+    return { success: false, error: message };
+  }
+}
+
+export async function ensureMyAccount(): Promise<ActionResult<number>> {
+  try {
+    const { payload, user } = await authenticate();
+    const account = await ensurePersonalAccount(payload, user.id as number);
+    await emitGameEvent(payload, {
+      type: EventTypes.BankAccountCreate,
+      message: `Created personal account "${account.name}"`,
+      actor: user.id,
+      targetCollection: "bank-accounts",
+      targetId: account.id,
+      data: { accountType: "personal", ownerUserId: user.id },
+    });
+    return { success: true, data: account.id };
+  } catch (error) {
+    const message = error instanceof Error ? error.message : "Unknown error";
+    if (message === "Unauthorized") {
+      return { success: false, error: "You must be logged in." };
+    }
+    return { success: false, error: message };
+  }
+}
+
+export async function depositFunds(
+  accountId: number,
+  amount: number,
+  memo?: string,
+): Promise<ActionResult<number>> {
+  return moveFunds("deposit", undefined, accountId, amount, memo);
+}
+
+export async function withdrawFunds(
+  accountId: number,
+  amount: number,
+  memo?: string,
+): Promise<ActionResult<number>> {
+  return moveFunds("withdrawal", accountId, undefined, amount, memo);
+}
+
+export async function transferFunds(
+  fromAccountId: number,
+  toAccountId: number,
+  amount: number,
+  memo?: string,
+): Promise<ActionResult<number>> {
+  return moveFunds("transfer", fromAccountId, toAccountId, amount, memo);
+}
+
+async function moveFunds(
+  type: "deposit" | "withdrawal" | "transfer",
+  fromAccountId: number | undefined,
+  toAccountId: number | undefined,
+  amount: number,
+  memo?: string,
+): Promise<ActionResult<number>> {
+  try {
+    const { payload, user } = await authenticate();
+    if (!hasRoles(["user"], user)) {
+      return { success: false, error: "Insufficient permissions." };
+    }
+    if (!amount || amount <= 0) {
+      return { success: false, error: "Amount must be greater than zero." };
+    }
+
+    const manager = await isBankingManager(payload, user);
+
+    const accountChecks: { id?: number; label: string }[] = [];
+    if (fromAccountId) accountChecks.push({ id: fromAccountId, label: "source" });
+    if (toAccountId) accountChecks.push({ id: toAccountId, label: "destination" });
+
+    for (const check of accountChecks) {
+      const account = (await payload
+        .findByID({
+          collection: "bank-accounts",
+          id: check.id as number,
+          depth: 0,
+          overrideAccess: true,
+        })
+        .catch(() => null)) as unknown as {
+        id: number;
+        accountType: string;
+        ownerUser?: number | { id: number } | null;
+        status: string;
+      } | null;
+      if (!account) {
+        return { success: false, error: `${check.label} account not found.` };
+      }
+      if (account.status === "closed") {
+        return { success: false, error: `${check.label} account is closed.` };
+      }
+      if (account.accountType === "personal") {
+        const ownerId =
+          typeof account.ownerUser === "object"
+            ? account.ownerUser?.id
+            : account.ownerUser;
+        if (!manager && ownerId !== user.id) {
+          return {
+            success: false,
+            error: "You can only move funds on your own personal account.",
+          };
+        }
+      } else if (!manager) {
+        return {
+          success: false,
+          error:
+            "Insufficient permissions. Logistics personnel or higher can move unit funds.",
+        };
+      }
+    }
+
+    if (type === "transfer" && (!fromAccountId || !toAccountId)) {
+      return {
+        success: false,
+        error: "A transfer requires both a source and a destination account.",
+      };
+    }
+    if (type === "deposit" && !toAccountId) {
+      return { success: false, error: "A deposit requires a destination account." };
+    }
+    if (type === "withdrawal" && !fromAccountId) {
+      return { success: false, error: "A withdrawal requires a source account." };
+    }
+
+    const transaction = await applyTransaction(payload, {
+      type,
+      fromAccountId,
+      toAccountId,
+      amount,
+      memo,
+      actorId: user.id as number,
+    });
+
+    const currency = await getMainCurrencyName(payload);
+    const suffix = currency ? ` ${currency}` : "";
+    const amountLabel = `${amount.toLocaleString()}${suffix}`;
+
+    const eventType =
+      type === "deposit"
+        ? EventTypes.FinanceDeposit
+        : type === "withdrawal"
+          ? EventTypes.FinanceWithdraw
+          : EventTypes.FinanceTransfer;
+
+    const eventMessage =
+      type === "deposit"
+        ? `Deposited ${amountLabel} into account #${toAccountId}`
+        : type === "withdrawal"
+          ? `Withdrew ${amountLabel} from account #${fromAccountId}`
+          : `Transferred ${amountLabel} from account #${fromAccountId} to account #${toAccountId}`;
+
+    await emitGameEvent(payload, {
+      type: eventType,
+      message: eventMessage,
+      actor: user.id,
+      targetCollection: "bank-transactions",
+      targetId: transaction.id,
+      data: { fromAccountId, toAccountId, amount, type },
+    });
+
+    return { success: true, data: transaction.id };
+  } catch (error) {
+    const message = error instanceof Error ? error.message : "Unknown error";
+    if (message === "Unauthorized") {
+      return { success: false, error: "You must be logged in." };
+    }
+    return { success: false, error: message };
+  }
+}
diff --git a/src/collections/game/GameEventLogs.ts b/src/collections/game/GameEventLogs.ts
index 423cd8f..e648efb 100644
--- a/src/collections/game/GameEventLogs.ts
+++ b/src/collections/game/GameEventLogs.ts
@@ -15,6 +15,9 @@ const TARGET_COLLECTIONS = [
   { label: "Technologies", value: "technologies" },
   { label: "Maps", value: "maps" },
   { label: "Shipments", value: "shipments" },
+  { label: "Bank Accounts", value: "bank-accounts" },
+  { label: "Bank Transactions", value: "bank-transactions" },
+  { label: "Ledger Entries", value: "ledger-entries" },
 ] as const;
 
 export const GameEventLogs: CollectionConfig = {
diff --git a/src/utils/event-log/emit.ts b/src/utils/event-log/emit.ts
index fdb7395..a047669 100644
--- a/src/utils/event-log/emit.ts
+++ b/src/utils/event-log/emit.ts
@@ -5,7 +5,7 @@ interface GameEventInput {
   message: string;
   actor?: number;
   structure?: number;
-  targetCollection?: "users" | "missions" | "maps" | "campaigns" | "factions" | "technologies" | "assets" | "resources" | "structures" | "vehicles" | "game-structures" | "game-vehicles" | "shipments";
+  targetCollection?: "users" | "missions" | "maps" | "campaigns" | "factions" | "technologies" | "assets" | "resources" | "structures" | "vehicles" | "game-structures" | "game-vehicles" | "shipments" | "bank-accounts" | "bank-transactions" | "ledger-entries";
   targetId?: number;
   data?: Record<string, unknown>;
 }
diff --git a/src/utils/event-log/eventTypes.ts b/src/utils/event-log/eventTypes.ts
index 215a1f8..86aec07 100644
--- a/src/utils/event-log/eventTypes.ts
+++ b/src/utils/event-log/eventTypes.ts
@@ -20,6 +20,8 @@ export const EventTypes = {
   // Finance
   FinanceDeposit: "finance:deposit",
   FinanceWithdraw: "finance:withdraw",
+  FinanceTransfer: "finance:transfer",
+  BankAccountCreate: "bank:account-create",
 
   // Shipping
   ShipmentCreate: "shipment:create",