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Monkey Bank (BTD6): Difference between revisions

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clarified the whole base cash production thing, the $180 income per round is misleading when 259/1.15 does not equal 180, but rather is approx 225 (likewise add about 50 per path 1 upgrade) when no mvb mk. ideally this should make sense now. And I think it's "equal-valued cash packets divded from its base cash generation" as the mechanic of how it makes income during the round
 
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{{for|the Monkey Bank in general|Monkey Bank}}
{{for|the Monkey Bank in general|Monkey Bank}}
{{research|How many "cash packets" does the Bank produce per round, and how exactly does Path 1 crosspathing affect the Bank (besides "makes more money")?}}
{{BTD6 upgrade info
{{BTD6 upgrade info
|id=Monkey Bank
|id=Monkey Bank
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|xp    =3500
|xp    =3500
}}
}}
'''Monkey Bank''', also known as '''Bank''', is the [[Banana Farm (BTD6)|Banana Farm]]'s path 2 tier 3 [[upgrade]] in ''[[Bloons TD 6]]''. Instead of producing bananas to collect, during rounds the Monkey Bank adds cash to an internal balance which not directly available for use, but can be withdrawn at any time. During a round, it generates equal-valued cash packets divided from its base cash generation. After a round ends, the Monkey Bank increases its balance by 15% in interest. The Monkey Bank has a maximum balance of $7,000 ($9,500 with {{BTD6 mk|Bigger Banks}}), and when the Monkey Bank is full it will no longer produce any cash in any way until the balance is withdrawn.  
'''Monkey Bank''' is the [[Banana Farm (BTD6)|Banana Farm]]'s path 2 tier 3 [[upgrade]] in ''[[Bloons TD 6]]''. Instead of producing [[collectable]] bananas, it generates cash in its internal balance on each [[round]], which not directly added to the player's cash pool but can be withdrawn at any time. At the end of each round, it increases its balance by 15% in interest. It has a maximum balance of $7,000 ($9,500 with {{BTD6 mk|Bigger Banks}}), and when it is full, it ceases to produce cash until its balance is withdrawn.  


The Monkey Bank increases the Banana Farm's base cash production during the round to $180 per round (affected by {{BTD6 mk|More Valuable Bananas}}), which is increased further by [[Increased Production (BTD6)|Increased Production]] and [[Greater Production (BTD6)|Greater Production]]. With [[Valuable Bananas (BTD6)|Valuable Bananas]] affecting that cash production, the actual cash generation is actually a total of $225 per round (+$50 per Path 1 upgrade), or with {{BTD6 mk|More Valuable Bananas}} it's a total of $234 per round (+$52 per Path 1 upgrade).
If [[crosspath]]ed with [[EZ Collect]], the dollar sign glows when full, which reminds the player to collect its cash. If crosspathed with [[Banana Salvage (BTD6)|Banana Salvage]], the Bank autocollects itself at the end of the round when full.<!--only end of round, yes it can still glow in the middle of the round if it tries to add another cash packet while full or goes to full-->


If crosspathed with [[EZ Collect]], the Bank will visually glow when full, which reminds the player to collect its cash. If crosspathed with [[Banana Salvage (BTD6)|Banana Salvage]], the Bank autocollects itself at the end of the round when full.<!--only end of round, yes it can still glow in the middle of the round if it tries to add another cash packet while full or goes to full-->
==Cash production==
Without factoring in any multipliers, Monkey Bank generates four packets of $45 per round, distributed in equally spaced intervals over the duration of the round like a normal Banana Farm, for a total of $180. [[Increased Production (BTD6)|Increased Production]] increases its income to six packets of ~$36.67 per round, for a total of $220 per round, and [[Greater Production (BTD6)|Greater Production]] increases it to eight packets of $32.5 per round, for a total of $260 per round.


==Cash production==
Monkey Bank's income is always 25% greater than the "default" value due to [[Valuable Bananas (BTD6)|Valuable Bananas]], and it also gains +5% income from {{BTD6 mk|More Valuable Bananas}}, so its actual cash generation per round in practice is $225 (+$50 per path 1 upgrade), or $234 (+$52 per path 1 upgrade) with More Valuable Bananas, before interest. [[Monkey City (BTD6)|Monkey City]]'s +20% income and [[Benjamin (BTD6)|Benjamin]]'s Bank Hack stack additively with Valuable Bananas and More Valuable Bananas.
{{BTD6 bank income
{{BTD6 bank income
|label=No buffs
|label=No buffs
|030=225
|030=180
|130=275
|130=220
|230=325
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.25
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Bank Hack (levels 5-8)
|label=Bank Hack (levels 5-8)
|030=236.25
|030=180
|130=288.75
|130=220
|230=341.25
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.3
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Bank Hack (levels 9+)
|label=Bank Hack (levels 9+)
|030=252
|030=180
|130=308
|130=220
|230=364
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.37
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City
|label=Monkey City
|030=270
|030=180
|130=330
|130=220
|230=390
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.45
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 5-8)
|label=Monkey City + Bank Hack (levels 5-8)
|030=283.5
|030=180
|130=346.5
|130=220
|230=409.5
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.5
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 9+)
|label=Monkey City + Bank Hack (levels 9+)
|030=302.4
|030=180
|130=369.6
|130=220
|230=436.8
|230=260
|capacity=7000
|capacity=7000
|multiplier=1.62
}}
}}


==Cash production in Half Cash==
===In Half Cash===
In [[Half Cash]], the Monkey Bank's cash production is halved as normal, but its interest is unchanged. Because the Monkey Bank's growth is non-linear, it produces more than half as much cash overall after the first round.
In [[Half Cash]], the Monkey Bank's cash production is halved as normal, but its interest is unchanged. Because the Monkey Bank's growth is non-linear, it produces more than half as much cash overall after the first round.
{{BTD6 bank income
{{BTD6 bank income
|label=No buffs
|label=No buffs
|030=112.5
|030=90
|130=137.5
|130=110
|230=162.5
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.25
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Bank Hack (levels 5-8)
|label=Bank Hack (levels 5-8)
|030=118.125
|030=90
|130=144.375
|130=110
|230=170.625
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.3
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Bank Hack (levels 9+)
|label=Bank Hack (levels 9+)
|030=126
|030=90
|130=154
|130=110
|230=182
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.37
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City
|label=Monkey City
|030=135
|030=90
|130=165
|130=110
|230=195
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.45
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 5-8)
|label=Monkey City + Bank Hack (levels 5-8)
|030=141.75
|030=90
|130=173.25
|130=110
|230=204.75
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.5
}}
}}
{{BTD6 bank income
{{BTD6 bank income
|label=Monkey City + Bank Hack (levels 9+)
|label=Monkey City + Bank Hack (levels 9+)
|030=151.2
|030=90
|130=184.8
|130=110
|230=218.4
|230=130
|capacity=7000
|capacity=7000
|multiplier=1.62
}}
}}


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== Strategy ==
== Strategy ==
{{BTD6 last updated|section=y|50.0}}
{{BTD6 last updated|section=y|50.2}}
Monkey Bank is a great farming option if allowed to build interest, and collected when at full or almost full capacity. Under those conditions, it earns much more money than similarly priced farms such as [[Marketplace (BTD6)|Marketplace]] and [[Banana Plantation (BTD6)|Banana Plantation]]. To be used optimally, players should keep an eye on their Monkey Banks' balances and remember to withdraw when it's time. The Monkey Bank with [[Greater Production (BTD6)|Greater Production]] is greatly improved by {{BTD6 mk|Bigger Banks}} and {{BTD6 mk|More Valuable Bananas}}. With those [[Monkey Knowledge (BTD6)|Monkey Knowledge]] upgrades, it generates $9,465 per 11 rounds or about $860 per round on average, over double that of Marketplace.
Monkey Bank is a great farming option if allowed to build interest, and collected when at full or almost full capacity. Under those conditions, it earns much more money than similarly priced farms such as [[Marketplace (BTD6)|Marketplace]] and [[Banana Plantation (BTD6)|Banana Plantation]]. To be used optimally, players should keep an eye on their Monkey Banks' balances and remember to withdraw when it's time. The Monkey Bank with [[Greater Production (BTD6)|Greater Production]] is greatly improved by {{BTD6 mk|Bigger Banks}} and {{BTD6 mk|More Valuable Bananas}}. With those [[Monkey Knowledge (BTD6)|Monkey Knowledge]] upgrades, the 2-3-0 crosspath generates $9,465 per 11 rounds or about $860 per round on average, over double that of Marketplace.


However, it becomes a poor option if constantly collected too early (not building up much interest), or too late (wasting time while the balance is full). Another downside is that the cash it produces is locked in its balance until withdrawn, as opposed to other farms which let you use the cash right away. This can be a hindrance if the money is urgently needed.
However, Monkey Bank becomes a poor option if constantly collected too early (not building up much interest), or too late (wasting time while the balance is full). Another downside is that the cash it produces is locked in its balance until withdrawn, as opposed to other farms which let you use the cash right away; this can be a hindrance if the money is urgently needed. Synchronizing multiple Banks and their balances can be convenient, but is not cost-efficient when spamming Banks.


[[Greater Production (BTD6)|Greater Production]] is almost always preferred, as it lets the Monkey Bank generate more money. The [[Banana Salvage (BTD6)|Banana Salvage]] upgrade loses out on cash, but will make the Monkey Bank automatically withdraw its balance after it is full; this may be appealing to particularly hands-off players, while still generating more cash on average than a Marketplace.
[[Greater Production (BTD6)|Greater Production]] is almost always preferred, as it lets the Monkey Bank generate more money. The [[Banana Salvage (BTD6)|Banana Salvage]] upgrade loses out on cash, but will make the Monkey Bank automatically withdraw its balance after it is full; this may be appealing to particularly hands-off players, while still generating more cash on average than a Marketplace.
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