diff --git a/Cargo.lock b/Cargo.lock
index ad05a8c..c32fc6e 100644
--- a/Cargo.lock
+++ b/Cargo.lock
@@ -1040,7 +1040,7 @@ checksum = "739e9d7726dc32173fed2d69d17eef3c54682169e4e20ff1d0a45dcd37063cef"
 [[package]]
 name = "libpso"
 version = "0.1.0"
-source = "git+http://git.sharnoth.com/jake/libpso#e71b435ea3dde01a44abf0492bfab12236b1ec06"
+source = "git+http://git.sharnoth.com/jake/libpso#05222bbf9fe402675447bc163b45e07a327cdb1a"
 dependencies = [
  "chrono",
  "psopacket",
@@ -1399,7 +1399,7 @@ dependencies = [
 [[package]]
 name = "psopacket"
 version = "1.0.0"
-source = "git+http://git.sharnoth.com/jake/libpso#e71b435ea3dde01a44abf0492bfab12236b1ec06"
+source = "git+http://git.sharnoth.com/jake/libpso#05222bbf9fe402675447bc163b45e07a327cdb1a"
 dependencies = [
  "proc-macro2",
  "quote",
diff --git a/src/bin/main.rs b/src/bin/main.rs
index 9ff056b..0a3ada0 100644
--- a/src/bin/main.rs
+++ b/src/bin/main.rs
@@ -68,14 +68,14 @@ fn main() {
             character.name = format!("Test Char {}", i*2);
             let character = entity_gateway.create_character(character).await.unwrap();
             entity_gateway.set_character_meseta(&character.id, item::Meseta(999999)).await.unwrap();
-            entity_gateway.set_bank_meseta(&character.id, &item::BankName("".into()), item::Meseta(999999)).await.unwrap();
+            entity_gateway.set_bank_meseta(&character.id, &item::BankIdentifier::Character, item::Meseta(999999)).await.unwrap();
             let mut character = NewCharacterEntity::new(fake_user.id);
             character.slot = 2;
             character.name = "ItemRefactor".into();
             character.exp = 80000000;
             let character = entity_gateway.create_character(character).await.unwrap();
             entity_gateway.set_character_meseta(&character.id, item::Meseta(999999)).await.unwrap();
-            entity_gateway.set_bank_meseta(&character.id, &item::BankName("".into()), item::Meseta(999999)).await.unwrap();
+            entity_gateway.set_bank_meseta(&character.id, &item::BankIdentifier::Character, item::Meseta(999999)).await.unwrap();
 
             for _ in 0..3 {
                 entity_gateway.create_item(
@@ -329,7 +329,7 @@ fn main() {
                                                             item8_s.into(), item9_u0.into(), item10_u1.into(), item11_u2.into(), item12_u3.into(),
                                                             item13.into(), item14.into(), monomates.into()]);
             entity_gateway.set_character_inventory(&character.id, &inventory).await.unwrap();
-            entity_gateway.set_character_bank(&character.id, &item::BankEntity::default(), &item::BankName("".into())).await.unwrap();
+            entity_gateway.set_character_bank(&character.id, &item::BankEntity::default(), &item::BankIdentifier::Character).await.unwrap();
         }
 
         info!("[patch] starting server");
diff --git a/src/entity/gateway/entitygateway.rs b/src/entity/gateway/entitygateway.rs
index db2f5f0..06e4d97 100644
--- a/src/entity/gateway/entitygateway.rs
+++ b/src/entity/gateway/entitygateway.rs
@@ -104,7 +104,7 @@ pub trait EntityGateway: Send + Sync {
         unimplemented!();
     }
 
-    async fn get_character_bank(&mut self, _char_id: &CharacterEntityId, _bank_name: &BankName) -> Result<BankEntity, GatewayError> {
+    async fn get_character_bank(&mut self, _char_id: &CharacterEntityId, _bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError> {
         unimplemented!();
     }
 
@@ -112,7 +112,7 @@ pub trait EntityGateway: Send + Sync {
         unimplemented!();
     }
 
-    async fn set_character_bank(&mut self, _char_id: &CharacterEntityId, _inventory: &BankEntity, _bank_name: &BankName) -> Result<(), GatewayError> {
+    async fn set_character_bank(&mut self, _char_id: &CharacterEntityId, _bank: &BankEntity, _bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
         unimplemented!();
     }
 
@@ -132,11 +132,11 @@ pub trait EntityGateway: Send + Sync {
         unimplemented!();
     }
 
-    async fn get_bank_meseta(&mut self, _char_id: &CharacterEntityId, _bank: &BankName) -> Result<Meseta, GatewayError> {
+    async fn get_bank_meseta(&mut self, _char_id: &CharacterEntityId, _bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError> {
         unimplemented!();
     }
 
-    async fn set_bank_meseta(&mut self, _char_id: &CharacterEntityId, _bank: &BankName, _amount: Meseta) -> Result<(), GatewayError> {
+    async fn set_bank_meseta(&mut self, _char_id: &CharacterEntityId, _bank_identifier: &BankIdentifier, _amount: Meseta) -> Result<(), GatewayError> {
         unimplemented!();
     }
 
diff --git a/src/entity/gateway/inmemory.rs b/src/entity/gateway/inmemory.rs
index 13b281c..7752780 100644
--- a/src/entity/gateway/inmemory.rs
+++ b/src/entity/gateway/inmemory.rs
@@ -117,11 +117,11 @@ impl EntityGateway for InMemoryGatewayTransaction {
         }
     }
 
-    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_name: &BankName) -> Result<BankEntity, GatewayError> {
-        match self.working_gateway.get_character_bank(char_id, bank_name).await {
+    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError> {
+        match self.working_gateway.get_character_bank(char_id, bank_identifier).await {
             Ok(bank) => Ok(bank),
             Err(_) => {
-                self.original_gateway.get_character_bank(char_id, bank_name).await
+                self.original_gateway.get_character_bank(char_id, bank_identifier).await
             }
         }
     }
@@ -130,11 +130,10 @@ impl EntityGateway for InMemoryGatewayTransaction {
         self.working_gateway.set_character_inventory(char_id, inventory).await
     }
 
-    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_name: &BankName) -> Result<(), GatewayError> {
-        self.working_gateway.set_character_bank(char_id, bank, bank_name).await
+    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
+        self.working_gateway.set_character_bank(char_id, bank, bank_identifier).await
     }
 
-
     async fn get_character_equips(&mut self, char_id: &CharacterEntityId) -> Result<EquippedEntity, GatewayError> {
         match self.working_gateway.get_character_equips(char_id).await {
             Ok(equips) => Ok(equips),
@@ -161,15 +160,15 @@ impl EntityGateway for InMemoryGatewayTransaction {
         }
     }
 
-    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName, meseta: Meseta) -> Result<(), GatewayError> {
-        self.working_gateway.set_bank_meseta(char_id, bank, meseta).await
+    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier, meseta: Meseta) -> Result<(), GatewayError> {
+        self.working_gateway.set_bank_meseta(char_id, bank_identifier, meseta).await
     }
 
-    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName) -> Result<Meseta, GatewayError> {
-        match self.working_gateway.get_bank_meseta(char_id, bank).await {
+    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError> {
+        match self.working_gateway.get_bank_meseta(char_id, bank_identifier).await {
             Ok(meseta) => Ok(meseta),
             Err(_) => {
-                self.original_gateway.get_bank_meseta(char_id, bank).await
+                self.original_gateway.get_bank_meseta(char_id, bank_identifier).await
             }
         }
     }
@@ -201,9 +200,11 @@ impl EntityGatewayTransaction for InMemoryGatewayTransaction {
         self.original_gateway.characters.lock().await.extend(self.working_gateway.characters.lock().await.clone());
         self.original_gateway.character_meseta.lock().await.extend(self.working_gateway.character_meseta.lock().await.clone());
         self.original_gateway.bank_meseta.lock().await.extend(self.working_gateway.bank_meseta.lock().await.clone());
+        self.original_gateway.shared_bank_meseta.lock().await.extend(self.working_gateway.shared_bank_meseta.lock().await.clone());
         self.original_gateway.items.lock().await.extend(self.working_gateway.items.lock().await.clone());
         self.original_gateway.inventories.lock().await.extend(self.working_gateway.inventories.lock().await.clone());
-        self.original_gateway.banks.lock().await.extend(self.working_gateway.banks.lock().await.clone());
+        self.original_gateway.character_banks.lock().await.extend(self.working_gateway.character_banks.lock().await.clone());
+        self.original_gateway.shared_banks.lock().await.extend(self.working_gateway.shared_banks.lock().await.clone());
         self.original_gateway.equips.lock().await.extend(self.working_gateway.equips.lock().await.clone());
         self.original_gateway.mag_modifiers.lock().await.extend(self.working_gateway.mag_modifiers.lock().await.clone());
         self.original_gateway.weapon_modifiers.lock().await.extend(self.working_gateway.weapon_modifiers.lock().await.clone());
@@ -225,10 +226,12 @@ pub struct InMemoryGateway {
     user_settings: Arc<Mutex<BTreeMap<UserSettingsId, UserSettingsEntity>>>,
     characters: Arc<Mutex<BTreeMap<CharacterEntityId, CharacterEntity>>>,
     character_meseta: Arc<Mutex<BTreeMap<CharacterEntityId, Meseta>>>,
-    bank_meseta: Arc<Mutex<BTreeMap<(CharacterEntityId, BankName), Meseta>>>,
+    bank_meseta: Arc<Mutex<BTreeMap<CharacterEntityId, Meseta>>>,
+    shared_bank_meseta: Arc<Mutex<BTreeMap<(UserAccountId, BankName), Meseta>>>,
     items: Arc<Mutex<BTreeMap<ItemEntityId, ItemEntity>>>,
     inventories: Arc<Mutex<BTreeMap<CharacterEntityId, Vec<InventoryItemElement>>>>,
-    banks: Arc<Mutex<BTreeMap<CharacterEntityId, BankEntity>>>,
+    character_banks: Arc<Mutex<BTreeMap<CharacterEntityId, BankEntity>>>,
+    shared_banks: Arc<Mutex<BTreeMap<(UserAccountId, BankName), BankEntity>>>,
     equips: Arc<Mutex<BTreeMap<CharacterEntityId, EquippedEntity>>>,
     mag_modifiers: Arc<Mutex<BTreeMap<ItemEntityId, Vec<mag::MagModifier>>>>,
     weapon_modifiers: Arc<Mutex<BTreeMap<ItemEntityId, Vec<weapon::WeaponModifier>>>>,
@@ -243,9 +246,11 @@ impl Default for InMemoryGateway {
             characters: Arc::new(Mutex::new(BTreeMap::new())),
             character_meseta: Arc::new(Mutex::new(BTreeMap::new())),
             bank_meseta: Arc::new(Mutex::new(BTreeMap::new())),
+            shared_bank_meseta: Arc::new(Mutex::new(BTreeMap::new())),
             items: Arc::new(Mutex::new(BTreeMap::new())),
             inventories: Arc::new(Mutex::new(BTreeMap::new())),
-            banks: Arc::new(Mutex::new(BTreeMap::new())),
+            character_banks: Arc::new(Mutex::new(BTreeMap::new())),
+            shared_banks: Arc::new(Mutex::new(BTreeMap::new())),
             equips: Arc::new(Mutex::new(BTreeMap::new())),
             mag_modifiers: Arc::new(Mutex::new(BTreeMap::new())),
             weapon_modifiers: Arc::new(Mutex::new(BTreeMap::new())),
@@ -325,9 +330,11 @@ impl EntityGateway for InMemoryGateway {
         let characters = self.characters.lock().await.clone();
         let character_meseta = self.character_meseta.lock().await.clone();
         let bank_meseta = self.bank_meseta.lock().await.clone();
+        let shared_bank_meseta = self.shared_bank_meseta.lock().await.clone();
         let items = self.items.lock().await.clone();
         let inventories = self.inventories.lock().await.clone();
-        let banks = self.banks.lock().await.clone();
+        let character_banks = self.character_banks.lock().await.clone();
+        let shared_banks = self.shared_banks.lock().await.clone();
         let equips = self.equips.lock().await.clone();
         let mag_modifiers = self.mag_modifiers.lock().await.clone();
         let weapon_modifiers = self.weapon_modifiers.lock().await.clone();
@@ -339,9 +346,11 @@ impl EntityGateway for InMemoryGateway {
             characters: Arc::new(Mutex::new(characters)),
             character_meseta: Arc::new(Mutex::new(character_meseta)),
             bank_meseta: Arc::new(Mutex::new(bank_meseta)),
+            shared_bank_meseta: Arc::new(Mutex::new(shared_bank_meseta)),
             items: Arc::new(Mutex::new(items)),
             inventories: Arc::new(Mutex::new(inventories)),
-            banks: Arc::new(Mutex::new(banks)),
+            character_banks: Arc::new(Mutex::new(character_banks)),
+            shared_banks: Arc::new(Mutex::new(shared_banks)),
             equips: Arc::new(Mutex::new(equips)),
             mag_modifiers: Arc::new(Mutex::new(mag_modifiers)),
             weapon_modifiers: Arc::new(Mutex::new(weapon_modifiers)),
@@ -571,13 +580,33 @@ impl EntityGateway for InMemoryGateway {
            .unwrap_or_default())
     }
 
-    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, _bank_name: &BankName) -> Result<BankEntity, GatewayError> {
-        let banks = self.banks.lock().await;
-        Ok(banks
-           .iter()
-           .find(|(id, _)| **id == *char_id)
-           .map(|(_, b)| b.clone())
-           .unwrap_or_default())
+    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError> {
+        match bank_identifier {
+            BankIdentifier::Character => {
+                let character_banks = self.character_banks.lock().await;
+                Ok(character_banks
+                   .iter()
+                   .find(|(id, _)| **id == *char_id)
+                   .map(|(_, b)| b.clone())
+                   .unwrap_or_default())
+            },
+            BankIdentifier::Shared(bank_name) => {
+                let user_id = self.characters
+                    .lock()
+                    .await
+                    .iter()
+                    .find(|(id, _)| **id == *char_id)
+                    .unwrap()
+                    .1
+                    .user_id;
+                let shared_banks = self.shared_banks.lock().await;
+                Ok(shared_banks
+                   .iter()
+                   .find(|((id, name), _)| *id == user_id && *name == *bank_name)
+                   .map(|(_, b)| b.clone())
+                   .unwrap_or_default())
+            }
+        }
     }
 
     async fn set_character_inventory(&mut self, char_id: &CharacterEntityId, inventory: &InventoryEntity) -> Result<(), GatewayError> {
@@ -604,10 +633,26 @@ impl EntityGateway for InMemoryGateway {
         Ok(())
     }
 
-    // TOOD: impl bank name
-    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, _bank_name: &BankName) -> Result<(), GatewayError> {
-        let mut banks = self.banks.lock().await;
-        banks.insert(*char_id, bank.clone());
+    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
+        match bank_identifier {
+            BankIdentifier::Character => {
+                let mut character_banks = self.character_banks.lock().await;
+                character_banks.insert(*char_id, bank.clone());
+            },
+            BankIdentifier::Shared(bank_name) => {
+                let user_id = self.characters
+                    .lock()
+                    .await
+                    .iter()
+                    .find(|(id, _)| **id == *char_id)
+                    .unwrap()
+                    .1
+                    .user_id;
+                let mut shared_banks = self.shared_banks.lock().await;
+                shared_banks.insert((user_id, bank_name.clone()), bank.clone());
+            }
+        }
+
         Ok(())
     }
 
@@ -642,19 +687,58 @@ impl EntityGateway for InMemoryGateway {
         }
     }
 
-    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName, meseta: Meseta) -> Result<(), GatewayError> {
-        let mut bank_meseta = self.bank_meseta.lock().await;
-        bank_meseta.insert((*char_id, bank.clone()), meseta);
+    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier, meseta: Meseta) -> Result<(), GatewayError> {
+        match bank_identifier {
+            BankIdentifier::Character => {
+                let mut bank_meseta = self.bank_meseta.lock().await;
+                bank_meseta.insert(*char_id, meseta);
+            }
+            BankIdentifier::Shared(bank_name) => {
+                let user_id = self.characters
+                    .lock()
+                    .await
+                    .iter()
+                    .find(|(id, _)| **id == *char_id)
+                    .unwrap()
+                    .1
+                    .user_id;
+                self.shared_bank_meseta
+                    .lock()
+                    .await
+                    .insert((user_id, bank_name.clone()), meseta);
+            }
+        }
         Ok(())
     }
 
-    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName) -> Result<Meseta, GatewayError> {
-        let mut bank_meseta = self.bank_meseta.lock().await;
-        if let Some(meseta) = bank_meseta.get_mut(&(*char_id, bank.clone())) {
-            Ok(*meseta)
-        }
-        else {
-            Err(GatewayError::Error)
+    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError> {
+        match bank_identifier {
+            BankIdentifier::Character => {
+                let mut bank_meseta = self.bank_meseta.lock().await;
+                if let Some(meseta) = bank_meseta.get_mut(char_id) {
+                    Ok(*meseta)
+                }
+                else {
+                    Err(GatewayError::Error)
+                }
+            },
+            BankIdentifier::Shared(bank_name) => {
+                let mut shared_bank_meseta = self.shared_bank_meseta.lock().await;
+                let user_id = self.characters
+                    .lock()
+                    .await
+                    .iter()
+                    .find(|(id, _)| **id == *char_id)
+                    .unwrap()
+                    .1
+                    .user_id;
+                if let Some(meseta) = shared_bank_meseta.get_mut(&(user_id, bank_name.clone())) {
+                    Ok(*meseta)
+                }
+                else {
+                    Ok(Meseta(0))
+                }
+            }
         }
     }
 
diff --git a/src/entity/gateway/postgres/migrations/V0011__shared_bank.sql b/src/entity/gateway/postgres/migrations/V0011__shared_bank.sql
new file mode 100644
index 0000000..4bc7ec6
--- /dev/null
+++ b/src/entity/gateway/postgres/migrations/V0011__shared_bank.sql
@@ -0,0 +1,16 @@
+
+create table shared_bank (
+  user_account integer references user_accounts (id) not null,
+  items jsonb not null,
+  name varchar(128) not null,
+  unique (user_account, name)
+);
+
+
+create table shared_bank_meseta (
+  user_account integer references user_accounts (id) not null,
+  name varchar(128) not null,
+  meseta integer not null,
+  unique (user_account, name)
+);
+
diff --git a/src/entity/gateway/postgres/models.rs b/src/entity/gateway/postgres/models.rs
index c310dda..b017b3b 100644
--- a/src/entity/gateway/postgres/models.rs
+++ b/src/entity/gateway/postgres/models.rs
@@ -607,11 +607,11 @@ pub enum PgItemNoteDetail {
     },
     Withdraw {
         character_id: u32,
-        bank: String,
+        bank: BankIdentifier,
     },
     Deposit {
         character_id: u32,
-        bank: String,
+        bank: BankIdentifier,
     }
 }
 
@@ -650,13 +650,13 @@ impl From<ItemNote> for PgItemNoteDetail {
             ItemNote::Withdraw{character_id, bank} => {
                 PgItemNoteDetail::Withdraw {
                     character_id: character_id.0,
-                    bank: bank.0,
+                    bank,
                 }
             },
             ItemNote::Deposit{character_id, bank} => {
                 PgItemNoteDetail::Deposit {
                     character_id: character_id.0,
-                    bank: bank.0,
+                    bank,
                 }
             }
         }
@@ -697,11 +697,11 @@ impl From<PgItemNoteDetail> for ItemNote {
             },
             PgItemNoteDetail::Withdraw{character_id, bank} => ItemNote::Withdraw {
                 character_id: CharacterEntityId(character_id),
-                bank: BankName(bank),
+                bank,
             },
             PgItemNoteDetail::Deposit{character_id, bank} => ItemNote::Deposit {
                 character_id: CharacterEntityId(character_id),
-                bank: BankName(bank),
+                bank,
             },
         }
     }
diff --git a/src/entity/gateway/postgres/postgres.rs b/src/entity/gateway/postgres/postgres.rs
index bb8c018..4de7413 100644
--- a/src/entity/gateway/postgres/postgres.rs
+++ b/src/entity/gateway/postgres/postgres.rs
@@ -3,7 +3,7 @@
 
 use std::convert::{From, TryFrom, Into};
 use futures::Future;
-use async_std::stream::StreamExt;
+use futures::stream::{StreamExt, FuturesOrdered};
 use async_std::sync::{Arc, Mutex};
 use libpso::character::guildcard;
 use crate::entity::account::*;
@@ -93,7 +93,7 @@ async fn apply_item_modifications(conn: &mut sqlx::PgConnection, item: ItemEntit
                 .bind(id.0 as i32)
                 .fetch(conn);
 
-            weapon_modifiers.for_each(|modifier| {
+            weapon_modifiers.for_each(|modifier| async move {
                 if let Ok(modifier) = modifier {
                     weapon.apply_modifier(&modifier.modifier);
                 }
@@ -101,7 +101,7 @@ async fn apply_item_modifications(conn: &mut sqlx::PgConnection, item: ItemEntit
 
             ItemDetail::Weapon(weapon)
         },
-        ItemDetail::Mag(mut mag) => {
+        ItemDetail::Mag(mag) => {
             let q = r#"select mag, modifier, item.item -> 'Tool' as feed, item2.item -> 'Tool' as cell
                            from mag_modifier
                            left join item on item.id = cast (modifier ->> 'FeedMag' as integer)
@@ -111,7 +111,7 @@ async fn apply_item_modifications(conn: &mut sqlx::PgConnection, item: ItemEntit
                 .bind(id.0 as i32)
                 .fetch(conn);
 
-            mag_modifiers.for_each(|modifier| {
+            let mag = mag_modifiers.fold(mag, |mut mag, modifier| async {
                 let PgMagModifierWithParameters {modifier, feed, cell, ..} = modifier.unwrap();
                 let modifier: mag::MagModifier = modifier.0.into();
                 match modifier {
@@ -128,6 +128,8 @@ async fn apply_item_modifications(conn: &mut sqlx::PgConnection, item: ItemEntit
                         mag.change_owner(class, section_id)
                     },
                 }
+
+                mag
             }).await;
 
             ItemDetail::Mag(mag)
@@ -141,6 +143,31 @@ async fn apply_item_modifications(conn: &mut sqlx::PgConnection, item: ItemEntit
     }
 }
 
+async fn fetch_item<T>(conn: &mut sqlx::PgConnection, item: PgInventoryItemEntity, individual: fn(ItemEntity) -> T, stacked: fn(Vec<ItemEntity>) -> T) -> Result<T, GatewayError>
+{
+    match item {
+        PgInventoryItemEntity::Individual(item) => {
+            let entity = sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
+                .bind(item)
+                .fetch_one(&mut *conn).await
+                .map(|item| item.into())
+                .map(|item| apply_item_modifications(&mut *conn, item))?
+                .await;
+            Ok(individual(entity))
+        },
+        PgInventoryItemEntity::Stacked(items) => {
+            let mut stacked_item = Vec::new();
+            for s_item in items {
+                stacked_item.push(sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
+                                  .bind(s_item)
+                                  .fetch_one(&mut *conn).await
+                                  .map(|item| item.into())?)
+            }
+            Ok(stacked(stacked_item))
+        }
+    }
+}
+
 async fn create_user(conn: &mut sqlx::PgConnection, user: NewUserAccountEntity) -> Result<UserAccountEntity, GatewayError>
 {
     let new_user = sqlx::query_as::<_, PgUserAccount>("insert into user_accounts (email, username, password, activated) values ($1, $2, $3, $4) returning *;")
@@ -228,10 +255,10 @@ async fn create_character(conn: &mut sqlx::PgConnection, char: NewCharacterEntit
                section_id, costume, skin, face, head,
                hair, hair_r, hair_g, hair_b, prop_x,
                prop_y, techs, config, infoboard, guildcard,
-               power, mind, def, evade, luck, 
+               power, mind, def, evade, luck,
                hp, tp, tech_menu, option_flags, playtime)
               values
-              ($1, $2, $3, $4, $5, 
+              ($1, $2, $3, $4, $5,
                $6, $7, $8, $9, $10,
                $11, $12, $13, $14, $15,
                $16, $17, $18, $19, $20,
@@ -280,7 +307,7 @@ async fn get_characters_by_user(conn: &mut sqlx::PgConnection, user: &UserAccoun
         .bind(user.id.0)
         .fetch(conn);
 
-    Ok(stream.fold(core::array::from_fn(|_| None), |mut acc, char| {
+    Ok(stream.fold(core::array::from_fn(|_| None), |mut acc, char| async move {
         if let Ok(char) = char {
             let slot = char.slot as usize;
             acc[slot] = Some(char.into())
@@ -391,76 +418,65 @@ async fn add_weapon_modifier(conn: &mut sqlx::PgConnection, item_id: &ItemEntity
 
 async fn get_character_inventory(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId) -> Result<InventoryEntity, GatewayError>
 {
-    let mut t = conn.begin().await?;
+    let conn = Arc::new(Mutex::new(conn.begin().await?)); // this is some degen shit
     let inventory = sqlx::query_as::<_, PgInventoryEntity>("select * from inventory where pchar = $1")
         .bind(char_id.0)
-        .fetch_one(&mut t).await?;
-
-    // TODO: inefficient
-    let mut real_inventory = Vec::new();
-    for inv_item in inventory.items.0.into_iter() {
-        match inv_item {
-            PgInventoryItemEntity::Individual(item) => {
-                let entity = sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
-                    .bind(item)
-                    .fetch_one(&mut t).await
-                    .map(|item| item.into())
-                    .map(|item| apply_item_modifications(&mut t, item))?
-                    .await;
-                real_inventory.push(InventoryItemEntity::Individual(entity));
-            },
-            PgInventoryItemEntity::Stacked(items) => {
-                let mut stacked_item = Vec::new();
-                for s_item in items {
-                    stacked_item.push(sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
-                                      .bind(s_item)
-                                      .fetch_one(&mut t).await
-                                      .map(|item| item.into())?)
+        .fetch_one(&mut **conn.lock().await).await?;
+
+    Ok(InventoryEntity::new(
+        inventory.items.0
+            .into_iter()
+            .map(move |item| {
+                let conn = conn.clone();
+                async move {
+                    fetch_item(&mut **conn.lock().await, item, InventoryItemEntity::Individual, InventoryItemEntity::Stacked).await
                 }
-                real_inventory.push(InventoryItemEntity::Stacked(stacked_item));
-            }
-        }
-    }
-
-    Ok(InventoryEntity::new(real_inventory))
+            })
+            .collect::<FuturesOrdered<_>>()
+            .collect::<Vec<_>>()
+            .await
+            .into_iter()
+            .collect::<Result<Vec<_>, _>>()?))
 }
 
-async fn get_character_bank(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank_name: &BankName) -> Result<BankEntity, GatewayError>
+async fn get_character_bank(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError>
 {
-    let mut t = conn.begin().await?;
-    let bank = sqlx::query_as::<_, PgInventoryEntity>("select * from bank where pchar = $1 and name = $2")
-        .bind(char_id.0)
-        .bind(bank_name.0.clone())
-        .fetch_one(&mut t).await?;
-    // TODO: inefficient
-    let mut real_bank = Vec::new();
-    for bank_item in bank.items.0.into_iter() {
-        match bank_item {
-            PgInventoryItemEntity::Individual(item) => {
-                let entity = sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
-                    .bind(item)
-                    .fetch_one(&mut t).await
-                    .map(|item| item.into())
-                    .map(|item| apply_item_modifications(&mut t, item))?
-                    .await;
-                real_bank.push(BankItemEntity::Individual(entity));
-            },
-            PgInventoryItemEntity::Stacked(items) => {
-                let mut stacked_item = Vec::new();
-                for s_item in items {
-                    stacked_item.push(sqlx::query_as::<_, PgItemEntity>("select item.id, item.item from item where id = $1")
-                                      .bind(s_item)
-                                      .fetch_one(&mut t).await
-                                      .map(|item| item.into())
-                                      .map(|item| apply_item_modifications(&mut t, item))?
-                                      .await)
-                }
-                real_bank.push(BankItemEntity::Stacked(stacked_item));
-            }
+    let conn = Arc::new(Mutex::new(conn.begin().await?)); // this is some degen shit
+    let bank = match bank_identifier {
+        BankIdentifier::Character => {
+            sqlx::query_as::<_, PgInventoryEntity>("select * from bank where pchar = $1")
+                .bind(char_id.0)
+                .fetch_one(&mut **conn.lock().await).await?
+        },
+        BankIdentifier::Shared(bank_name) => {
+            sqlx::query_as::<_, PgInventoryEntity>("select player_character.id as pchar, shared_bank.items as items from shared_bank
+                                                    join player_character on shared_bank.user_account = player_character.user_account
+                                                    where player_character.id = $1 and shared_bank.name = $2")
+                .bind(char_id.0)
+                .bind(&bank_name.0)
+                .fetch_optional(&mut **conn.lock().await)
+                .await?
+                .unwrap_or_else(|| PgInventoryEntity {
+                    pchar: char_id.0 as i32,
+                    items: sqlx::types::Json::default(),
+                })
         }
-    }
+    };
 
-    Ok(BankEntity::new(real_bank))
+    Ok(BankEntity::new(
+        bank.items.0
+            .into_iter()
+            .map(move |item| {
+                let conn = conn.clone();
+                async move {
+                    fetch_item(&mut **conn.lock().await, item, BankItemEntity::Individual, BankItemEntity::Stacked).await
+                }
+            })
+            .collect::<FuturesOrdered<_>>()
+            .collect::<Vec<_>>()
+            .await
+            .into_iter()
+            .collect::<Result<Vec<_>, _>>()?))
 }
 
 async fn set_character_inventory(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, inventory: &InventoryEntity) -> Result<(), GatewayError>
@@ -486,8 +502,8 @@ async fn set_character_inventory(conn: &mut sqlx::PgConnection, char_id: &Charac
     Ok(())
 }
 
-async fn set_character_bank(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank: &BankEntity, bank_name: &BankName) -> Result<(), GatewayError>
-{
+
+async fn set_character_bank(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank: &BankEntity, bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
     let bank = bank.items.iter()
         .map(|item| {
             match item {
@@ -501,12 +517,26 @@ async fn set_character_bank(conn: &mut sqlx::PgConnection, char_id: &CharacterEn
         })
         .collect::<Vec<_>>();
 
-    sqlx::query("insert into bank (pchar, items, name) values ($1, $2, $3) on conflict (pchar, name) do update set items = $2")
-        .bind(char_id.0)
-        .bind(sqlx::types::Json(bank))
-        .bind(bank_name.0.clone())
-        .execute(conn)
-        .await?;
+    match bank_identifier {
+        BankIdentifier::Character => {
+            sqlx::query("insert into bank (pchar, items, name) values ($1, $2, '') on conflict (pchar, name) do update set items = $2")
+                .bind(char_id.0)
+                .bind(sqlx::types::Json(bank))
+                .execute(conn)
+                .await?;
+        },
+        BankIdentifier::Shared(bank_name) => {
+            sqlx::query("insert into shared_bank (user_account, items, name)
+                         select player_character.user_account, $2, $3 from player_character
+                         where player_character.id = $1
+                         on conflict (user_account, name) do update set items = $2;")
+                .bind(char_id.0)
+                .bind(sqlx::types::Json(bank))
+                .bind(&bank_name.0)
+                .execute(conn)
+                .await?;
+        }
+    }
     Ok(())
 }
 
@@ -559,26 +589,55 @@ async fn get_character_meseta(conn: &mut sqlx::PgConnection, char_id: &Character
     Ok(Meseta(meseta.0 as u32))
 }
 
-async fn set_bank_meseta(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank: &BankName, meseta: Meseta) -> Result<(), GatewayError>
+async fn set_bank_meseta(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier, meseta: Meseta) -> Result<(), GatewayError>
 {
-    sqlx::query("insert into bank_meseta values ($1, $2, $3) on conflict (pchar, bank) do update set meseta = $3")
-        .bind(char_id.0)
-        .bind(bank.0.clone())
-        .bind(meseta.0 as i32)
-        .execute(conn)
-        .await?;
+    match bank_identifier {
+        BankIdentifier::Character => {
+            sqlx::query("insert into bank_meseta values ($1, '', $2) on conflict (pchar, bank) do update set meseta = $2")
+                .bind(char_id.0)
+                .bind(meseta.0 as i32)
+                .execute(conn)
+                .await?;
+        },
+        BankIdentifier::Shared(bank_name) => {
+            sqlx::query("insert into shared_bank_meseta (user_account, name, meseta)
+                         select player_character.user_account, $2, $3 from player_character
+                         where player_character.id = $1
+                         on conflict (user_account, name) do update set meseta = $3")
+                .bind(char_id.0)
+                .bind(&bank_name.0)
+                .bind(meseta.0 as i32)
+                .execute(conn)
+                .await?;
+        }
+    }
+
     Ok(())
 }
 
-async fn get_bank_meseta(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank: &BankName) -> Result<Meseta, GatewayError>
+async fn get_bank_meseta(conn: &mut sqlx::PgConnection, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError>
 {
     #[derive(sqlx::FromRow)]
     struct PgMeseta(i32);
-    let meseta = sqlx::query_as::<_, PgMeseta>(r#"select meseta from bank_meseta where pchar = $1 and bank = $2"#)
-        .bind(char_id.0)
-        .bind(bank.0.clone())
-        .fetch_one(conn)
-        .await?;
+
+    let meseta = match bank_identifier {
+        BankIdentifier::Character => {
+            sqlx::query_as::<_, PgMeseta>(r#"select meseta from bank_meseta where pchar = $1"#)
+                .bind(char_id.0)
+                .fetch_one(conn)
+                .await?
+        },
+        BankIdentifier::Shared(bank_name) => {
+            sqlx::query_as::<_, PgMeseta>(r#"select shared_bank_meseta.meseta from shared_bank_meseta
+                                             join player_character on shared_bank_meseta.user_account = player_character.user_account
+                                             where player_character.id = $1 and shared_bank_meseta.name = $2"#)
+                .bind(char_id.0)
+                .bind(&bank_name.0)
+                .fetch_optional(conn)
+                .await?
+                .unwrap_or(PgMeseta(0))
+        }
+    };
     Ok(Meseta(meseta.0 as u32))
 }
 
@@ -696,16 +755,16 @@ impl<'t> EntityGateway for PostgresGateway<'t> {
         get_character_inventory(&mut *self.pool.acquire().await?, char_id).await
     }
 
-    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_name: &BankName) -> Result<BankEntity, GatewayError> {
-        get_character_bank(&mut *self.pool.acquire().await?, char_id, bank_name).await
+    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError> {
+        get_character_bank(&mut *self.pool.acquire().await?, char_id, bank_identifier).await
     }
 
     async fn set_character_inventory(&mut self, char_id: &CharacterEntityId, inventory: &InventoryEntity) -> Result<(), GatewayError> {
         set_character_inventory(&mut *self.pool.acquire().await?, char_id, inventory).await
     }
 
-    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_name: &BankName) -> Result<(), GatewayError> {
-        set_character_bank(&mut *self.pool.acquire().await?, char_id, bank, bank_name).await
+    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
+        set_character_bank(&mut *self.pool.acquire().await?, char_id, bank, bank_identifier).await
     }
 
     async fn get_character_equips(&mut self, char_id: &CharacterEntityId) -> Result<EquippedEntity, GatewayError> {
@@ -724,12 +783,12 @@ impl<'t> EntityGateway for PostgresGateway<'t> {
         get_character_meseta(&mut *self.pool.acquire().await?, char_id).await
     }
 
-    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName, meseta: Meseta) -> Result<(), GatewayError> {
-        set_bank_meseta(&mut *self.pool.acquire().await?, char_id, bank, meseta).await
+    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier, meseta: Meseta) -> Result<(), GatewayError> {
+        set_bank_meseta(&mut *self.pool.acquire().await?, char_id, bank_identifier, meseta).await
     }
 
-    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName) -> Result<Meseta, GatewayError> {
-        get_bank_meseta(&mut *self.pool.acquire().await?, char_id, bank).await
+    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError> {
+        get_bank_meseta(&mut *self.pool.acquire().await?, char_id, bank_identifier).await
     }
 
     async fn create_trade(&mut self, char_id1: &CharacterEntityId, char_id2: &CharacterEntityId) -> Result<TradeEntity, GatewayError> {
@@ -822,16 +881,16 @@ impl<'c> EntityGateway for PostgresTransaction<'c> {
         get_character_inventory(&mut *self.pgtransaction.lock().await, char_id).await
     }
 
-    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_name: &BankName) -> Result<BankEntity, GatewayError> {
-        get_character_bank(&mut *self.pgtransaction.lock().await, char_id, bank_name).await
+    async fn get_character_bank(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<BankEntity, GatewayError> {
+        get_character_bank(&mut *self.pgtransaction.lock().await, char_id, bank_identifier).await
     }
 
     async fn set_character_inventory(&mut self, char_id: &CharacterEntityId, inventory: &InventoryEntity) -> Result<(), GatewayError> {
         set_character_inventory(&mut *self.pgtransaction.lock().await, char_id, inventory).await
     }
 
-    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_name: &BankName) -> Result<(), GatewayError> {
-        set_character_bank(&mut *self.pgtransaction.lock().await, char_id, bank, bank_name).await
+    async fn set_character_bank(&mut self, char_id: &CharacterEntityId, bank: &BankEntity, bank_identifier: &BankIdentifier) -> Result<(), GatewayError> {
+        set_character_bank(&mut *self.pgtransaction.lock().await, char_id, bank, bank_identifier).await
     }
 
     async fn get_character_equips(&mut self, char_id: &CharacterEntityId) -> Result<EquippedEntity, GatewayError> {
@@ -850,12 +909,12 @@ impl<'c> EntityGateway for PostgresTransaction<'c> {
         get_character_meseta(&mut *self.pgtransaction.lock().await, char_id).await
     }
 
-    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName, meseta: Meseta) -> Result<(), GatewayError> {
-        set_bank_meseta(&mut *self.pgtransaction.lock().await, char_id, bank, meseta).await
+    async fn set_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier, meseta: Meseta) -> Result<(), GatewayError> {
+        set_bank_meseta(&mut *self.pgtransaction.lock().await, char_id, bank_identifier, meseta).await
     }
 
-    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank: &BankName) -> Result<Meseta, GatewayError> {
-        get_bank_meseta(&mut *self.pgtransaction.lock().await, char_id, bank).await
+    async fn get_bank_meseta(&mut self, char_id: &CharacterEntityId, bank_identifier: &BankIdentifier) -> Result<Meseta, GatewayError> {
+        get_bank_meseta(&mut *self.pgtransaction.lock().await, char_id, bank_identifier).await
     }
 
     async fn create_trade(&mut self, char_id1: &CharacterEntityId, char_id2: &CharacterEntityId) -> Result<TradeEntity, GatewayError> {
diff --git a/src/entity/item/mod.rs b/src/entity/item/mod.rs
index eabddb5..6b7bf53 100644
--- a/src/entity/item/mod.rs
+++ b/src/entity/item/mod.rs
@@ -22,6 +22,12 @@ pub struct BankName(pub String);
 #[derive(Debug, Clone, Copy, PartialEq, Eq, Hash, PartialOrd, Ord, Serialize, Deserialize)]
 pub struct TradeId(pub u32);
 
+#[derive(Debug, Clone, PartialEq, Eq, Hash, PartialOrd, Ord, Serialize, Deserialize, derive_more::Display)]
+pub enum BankIdentifier {
+    Character,
+    Shared(BankName),
+}
+
 #[derive(Clone, Debug, PartialEq, Serialize, Deserialize)]
 pub enum ItemNote {
     CharacterCreation {
@@ -62,11 +68,11 @@ pub enum ItemNote {
     },
     Withdraw {
         character_id: CharacterEntityId,
-        bank: BankName,
+        bank: BankIdentifier,
     },
     Deposit {
         character_id: CharacterEntityId,
-        bank: BankName,
+        bank: BankIdentifier,
     },
 }
 
diff --git a/src/login/character.rs b/src/login/character.rs
index 349d1dd..60446fc 100644
--- a/src/login/character.rs
+++ b/src/login/character.rs
@@ -23,7 +23,7 @@ use libpso::{utf8_to_array, utf8_to_utf16_array};
 
 use crate::entity::gateway::{EntityGateway, GatewayError};
 use crate::entity::account::{UserAccountId, UserAccountEntity, NewUserSettingsEntity, USERFLAG_NEWCHAR, USERFLAG_DRESSINGROOM};
-use crate::entity::item::{NewItemEntity, ItemDetail, ItemNote, InventoryItemEntity, InventoryEntity, BankEntity, BankName, EquippedEntity, Meseta};
+use crate::entity::item::{NewItemEntity, ItemDetail, ItemNote, InventoryItemEntity, InventoryEntity, BankEntity, BankIdentifier, EquippedEntity, Meseta};
 use crate::entity::item::weapon::Weapon;
 use crate::entity::item::armor::Armor;
 use crate::entity::item::tech::Technique;
@@ -211,7 +211,7 @@ async fn new_character<EG: EntityGateway + Clone>(entity_gateway: &mut EG, user:
 
     let character = entity_gateway.create_character(character).await?;
     entity_gateway.set_character_meseta(&character.id, Meseta(300)).await?;
-    entity_gateway.set_bank_meseta(&character.id, &BankName("".into()), Meseta(0)).await?;
+    entity_gateway.set_bank_meseta(&character.id, &BankIdentifier::Character, Meseta(0)).await?;
 
     let new_weapon = match character.char_class {
         CharacterClass::HUmar | CharacterClass::HUnewearl | CharacterClass::HUcast | CharacterClass::HUcaseal => item::weapon::WeaponType::Saber,
@@ -305,7 +305,7 @@ async fn new_character<EG: EntityGateway + Clone>(entity_gateway: &mut EG, user:
                     InventoryItemEntity::Stacked(monomates), InventoryItemEntity::Stacked(monofluids)],
     };
     entity_gateway.set_character_inventory(&character.id, &inventory).await?;
-    entity_gateway.set_character_bank(&character.id, &BankEntity::default(), &BankName("".into())).await?;
+    entity_gateway.set_character_bank(&character.id, &BankEntity::default(), &BankIdentifier::Character).await?;
     let equipped = EquippedEntity {
         weapon: Some(weapon.id),
         armor: Some(armor.id),
diff --git a/src/ship/chatcommand.rs b/src/ship/chatcommand.rs
new file mode 100644
index 0000000..97d5054
--- /dev/null
+++ b/src/ship/chatcommand.rs
@@ -0,0 +1,86 @@
+use libpso::packet::ship::PlayerChat;
+use crate::entity::gateway::EntityGateway;
+use crate::common::serverstate::ClientId;
+use crate::ship::ship::{ShipServerState, SendShipPacket};
+use crate::ship::client::Clients;
+use crate::ship::items::state::ItemState;
+use crate::entity::item::{BankName, BankIdentifier};
+use crate::ship::packet::builder::message::bank_item_list;
+
+async fn default_bank<'a, EG>(id: ClientId,
+                              entity_gateway: &mut EG,
+                              clients: &Clients,
+                              item_state: &mut ItemState)
+                              -> Result<Vec<(ClientId, SendShipPacket)>, String>
+where
+    EG: EntityGateway + Clone + 'static,
+{
+    let bank = clients
+        .with_mut(id, |client| {
+            let mut item_state = item_state.clone();
+            let mut entity_gateway = entity_gateway.clone();
+
+            Box::pin(async move {
+                item_state.load_character_bank(&mut entity_gateway, &client.character, BankIdentifier::Character).await?;
+                item_state.get_character_bank(&client.character).await
+            })
+        })
+        .await
+        .map_err(|err| format!("an error occured\n{err:?}"))?
+        .map_err(|err| format!("an error occured\n{err:?}"))?;
+
+    let bank_items_pkt = bank_item_list(&bank);
+    Ok(vec![(id, SendShipPacket::BankItemList(bank_items_pkt))])
+}
+
+async fn switch_bank<'a, EG, T>(id: ClientId,
+                                mut tokens: T,
+                                entity_gateway: &mut EG,
+                                clients: &Clients,
+                                item_state: &mut ItemState)
+                                -> Result<Vec<(ClientId, SendShipPacket)>, String>
+where
+    EG: EntityGateway + Clone + 'static,
+    T: Iterator<Item = &'a str> + 'a,
+{
+    let bank_name = BankName(tokens.next().unwrap_or("").into());
+    let bank = clients
+        .with_mut(id, |client| {
+            let mut item_state = item_state.clone();
+            let mut entity_gateway = entity_gateway.clone();
+
+            Box::pin(async move {
+                item_state.load_character_bank(&mut entity_gateway, &client.character, BankIdentifier::Shared(bank_name)).await?;
+                item_state.get_character_bank(&client.character).await
+            })
+        })
+        .await
+        .map_err(|err| format!("an error occured\n{err:?}"))?
+        .map_err(|err| format!("an error occured\n{err:?}"))?;
+
+    let bank_items_pkt = bank_item_list(&bank);
+    Ok(vec![(id, SendShipPacket::BankItemList(bank_items_pkt))])
+}
+
+
+pub async fn handle_chat_command<EG>(id: ClientId,
+                                     message: PlayerChat,
+                                     state: &mut ShipServerState<EG>)
+                                     -> Option<Result<Vec<(ClientId, SendShipPacket)>, String>>
+where
+    EG: EntityGateway + Clone + 'static,
+{
+    let mut tokens = message.message
+        .trim_start_matches("\tJ")
+        .trim_start_matches("\tE")
+        .trim_end_matches('\0')
+        .split_whitespace();
+    let cmd = tokens.next()?;
+    match cmd {
+        "/bank" => Some(default_bank(id, &mut state.entity_gateway, &state.clients, &mut state.item_state).await),
+        "/sbank" => Some(switch_bank(id, tokens, &mut state.entity_gateway, &state.clients, &mut state.item_state).await),
+
+        _ => None,
+    }
+    
+}
diff --git a/src/ship/items/actions.rs b/src/ship/items/actions.rs
index f4dcbec..3b74a0a 100644
--- a/src/ship/items/actions.rs
+++ b/src/ship/items/actions.rs
@@ -270,7 +270,7 @@ where
         Box::pin(async move {
             let mut bank = item_state.bank(&character_id).await?;
             bank.remove_meseta(amount)?;
-            transaction.gateway().set_bank_meseta(&character_id, &bank.name, bank.meseta).await?;
+            transaction.gateway().set_bank_meseta(&character_id, &bank.identifier, bank.meseta).await?;
             item_state.set_bank(bank).await;
 
             Ok(((item_state, transaction), ()))
@@ -313,7 +313,7 @@ where
         Box::pin(async move {
             let mut bank = item_state.bank(&character_id).await?;
             bank.add_meseta(amount)?;
-            transaction.gateway().set_bank_meseta(&character_id, &bank.name, bank.meseta).await?;
+            transaction.gateway().set_bank_meseta(&character_id, &bank.identifier, bank.meseta).await?;
             item_state.set_bank(bank).await;
 
             Ok(((item_state, transaction), ()))
@@ -338,7 +338,7 @@ where
             let item = bank.take_item(&item_id, amount)
                 .await
                 .ok_or_else(|| ItemStateError::NoBankItem(item_id))?;
-            transaction.gateway().set_character_bank(&character_id, &bank.as_bank_entity(), &bank.name).await?;
+            transaction.gateway().set_character_bank(&character_id, &bank.as_bank_entity(), &bank.identifier).await?;
             item_state.set_bank(bank).await;
 
             Ok(((item_state, transaction), item))
@@ -358,16 +358,16 @@ where
     move |(mut item_state, transaction), bank_item| {
         let character = character.clone();
         Box::pin(async move {
-            let bank_name = item_state.bank(&character.id).await?.name;
+            let bank_identifier = item_state.bank(&character.id).await?.identifier;
             let mut inventory = item_state.inventory(&character.id).await?;
 
             let character_id = character.id;
             let transaction = bank_item.with_entity_id(transaction, |mut transaction, entity_id| {
-                let bank_name = bank_name.clone();
+                let bank_identifier = bank_identifier.clone();
                 async move {
                     transaction.gateway().add_item_note(&entity_id, ItemNote::Withdraw {
                         character_id,
-                        bank: bank_name,
+                        bank: bank_identifier,
                     }).await?;
                     Ok(transaction)
                 }}).await?;
@@ -408,23 +408,22 @@ where
     move |(mut item_state, transaction), inventory_item| {
         Box::pin(async move {
             let mut bank = item_state.bank(&character_id).await?;
-            let bank_name = bank.name.clone();
+            let bank_identifier = bank.identifier.clone();
             let mut transaction = inventory_item.with_entity_id(transaction, move |mut transaction, entity_id| {
-                let bank_name = bank_name.clone();
+                let bank_identifier = bank_identifier.clone();
                 async move {
                     transaction.gateway().add_item_note(&entity_id, ItemNote::Deposit {
                         character_id,
-                        bank: bank_name,
+                        bank: bank_identifier,
                     }).await?;
                     Ok(transaction)
                 }}).await?;
 
             bank.add_inventory_item(inventory_item)?;
 
-            transaction.gateway().set_character_bank(&character_id, &bank.as_bank_entity(), &bank.name).await?;
+            transaction.gateway().set_character_bank(&character_id, &bank.as_bank_entity(), &bank.identifier).await?;
             item_state.set_bank(bank).await;
 
-
             Ok(((item_state, transaction), ()))
         })
     }
@@ -614,7 +613,8 @@ where
                             tool,
                         })
                     };
-                    inventory.add_item(inventory_item)?.1
+                    inventory.add_item(inventory_item.clone())
+                        .with_context(|| format!("inventory {inventory:?}\nitem {inventory_item:?}"))?.1
                 },
                 item_detail => {
                     let item_entity = transaction.gateway().create_item(NewItemEntity {
@@ -631,7 +631,8 @@ where
                             item: item_detail,
                         })
                     };
-                    inventory.add_item(inventory_item)?.1
+                    inventory.add_item(inventory_item.clone())
+                        .with_context(|| format!("inventory {inventory:?}\nitem {inventory_item:?}"))?.1
                 },
             };
 
diff --git a/src/ship/items/apply_item.rs b/src/ship/items/apply_item.rs
index 6978f2e..58f3b98 100644
--- a/src/ship/items/apply_item.rs
+++ b/src/ship/items/apply_item.rs
@@ -296,6 +296,7 @@ where
         ToolType::Antidote => Ok(Vec::new()),
         ToolType::Antiparalysis => Ok(Vec::new()),
         ToolType::TrapVision => Ok(Vec::new()),
+        ToolType::ScapeDoll => Ok(Vec::new()),
         ToolType::Monogrinder => weapon_grind(item_state, entity_gateway, character, entity_id, 1).await,
         ToolType::Digrinder => weapon_grind(item_state, entity_gateway, character, entity_id, 2).await,
         ToolType::Trigrinder => weapon_grind(item_state, entity_gateway, character, entity_id, 3).await,
diff --git a/src/ship/items/bank.rs b/src/ship/items/bank.rs
index cf88ae3..73f0e10 100644
--- a/src/ship/items/bank.rs
+++ b/src/ship/items/bank.rs
@@ -1,11 +1,12 @@
 use std::cmp::Ordering;
 use libpso::character::character;
 use crate::ship::items::ClientItemId;
-use crate::entity::item::{Meseta, ItemEntityId, ItemDetail, ItemEntity, BankEntity, BankItemEntity, BankName};
+use crate::entity::item::{Meseta, ItemEntityId, ItemDetail, ItemEntity, BankEntity, BankItemEntity};
 use std::future::Future;
 use async_std::sync::{Arc, Mutex};
 
 use crate::entity::character::CharacterEntityId;
+use crate::entity::item::BankIdentifier;
 use crate::ship::items::state::ItemStateError;
 use crate::ship::items::state::{IndividualItemDetail, StackedItemDetail, AddItemResult};
 use crate::ship::items::inventory::{InventoryItem, InventoryItemDetail};
@@ -22,6 +23,7 @@ pub enum BankError {
 }
 
 
+
 #[derive(Clone, Debug)]
 pub enum BankItemDetail {
     Individual(IndividualItemDetail),
@@ -98,7 +100,7 @@ impl Bank {
 pub struct BankState {
     pub character_id: CharacterEntityId,
     pub item_id_counter: Arc<Mutex<u32>>,
-    pub name: BankName,
+    pub identifier: BankIdentifier,
     pub bank: Bank,
     pub meseta: Meseta,
 }
@@ -112,12 +114,12 @@ async fn new_item_id(item_id_counter: &Arc<Mutex<u32>>) -> ClientItemId {
 }
 
 impl BankState {
-    pub fn new(character_id: CharacterEntityId, name: BankName, mut bank: Bank, meseta: Meseta) -> BankState {
+    pub fn new(character_id: CharacterEntityId, identifier: BankIdentifier, mut bank: Bank, meseta: Meseta) -> BankState {
         bank.0.sort();
         BankState {
             character_id,
             item_id_counter: Arc::new(Mutex::new(0)),
-            name,
+            identifier,
             bank,
             meseta,
         }
@@ -303,12 +305,14 @@ impl BankState {
     }
 }
 
-impl std::cmp::PartialEq for BankItem {
-    fn eq(&self, other: &BankItem) -> bool {
+
+
+impl std::cmp::PartialEq for BankItemDetail {
+    fn eq(&self, other: &BankItemDetail) -> bool {
         let mut self_bytes = [0u8; 4];
         let mut other_bytes = [0u8; 4];
-        self_bytes.copy_from_slice(&self.item.as_client_bytes()[0..4]);
-        other_bytes.copy_from_slice(&other.item.as_client_bytes()[0..4]);
+        self_bytes.copy_from_slice(&self.as_client_bytes()[0..4]);
+        other_bytes.copy_from_slice(&other.as_client_bytes()[0..4]);
 
         let self_value = u32::from_be_bytes(self_bytes);
         let other_value = u32::from_be_bytes(other_bytes);
@@ -317,15 +321,14 @@ impl std::cmp::PartialEq for BankItem {
     }
 }
 
-impl std::cmp::Eq for BankItem {}
+impl std::cmp::Eq for BankItemDetail {}
 
-impl std::cmp::PartialOrd for BankItem {
-    fn partial_cmp(&self, other: &BankItem) -> Option<std::cmp::Ordering> {
+impl std::cmp::PartialOrd for BankItemDetail {
+    fn partial_cmp(&self, other: &BankItemDetail) -> Option<std::cmp::Ordering> {
         let mut self_bytes = [0u8; 4];
         let mut other_bytes = [0u8; 4];
-        self_bytes.copy_from_slice(&self.item.as_client_bytes()[0..4]);
-        other_bytes.copy_from_slice(&other.item.as_client_bytes()[0..4]);
-
+        self_bytes.copy_from_slice(&self.as_client_bytes()[0..4]);
+        other_bytes.copy_from_slice(&other.as_client_bytes()[0..4]);
 
         let self_value = u32::from_be_bytes(self_bytes);
         let other_value = u32::from_be_bytes(other_bytes);
@@ -334,13 +337,12 @@ impl std::cmp::PartialOrd for BankItem {
     }
 }
 
-impl std::cmp::Ord for BankItem {
-    fn cmp(&self, other: &BankItem) -> std::cmp::Ordering {
+impl std::cmp::Ord for BankItemDetail {
+    fn cmp(&self, other: &BankItemDetail) -> std::cmp::Ordering {
         let mut self_bytes = [0u8; 4];
         let mut other_bytes = [0u8; 4];
-        self_bytes.copy_from_slice(&self.item.as_client_bytes()[0..4]);
-        other_bytes.copy_from_slice(&other.item.as_client_bytes()[0..4]);
-
+        self_bytes.copy_from_slice(&self.as_client_bytes()[0..4]);
+        other_bytes.copy_from_slice(&other.as_client_bytes()[0..4]);
 
         let self_value = u32::from_le_bytes(self_bytes);
         let other_value = u32::from_le_bytes(other_bytes);
@@ -349,3 +351,24 @@ impl std::cmp::Ord for BankItem {
     }
 }
 
+
+impl std::cmp::PartialEq for BankItem {
+    fn eq(&self, other: &BankItem) -> bool {
+        self.item.eq(&other.item)
+    }
+}
+
+impl std::cmp::Eq for BankItem {}
+
+impl std::cmp::PartialOrd for BankItem {
+    fn partial_cmp(&self, other: &BankItem) -> Option<std::cmp::Ordering> {
+        self.item.partial_cmp(&other.item)
+    }
+}
+
+impl std::cmp::Ord for BankItem {
+    fn cmp(&self, other: &BankItem) -> std::cmp::Ordering {
+        self.item.cmp(&other.item)
+    }
+}
+
diff --git a/src/ship/items/state.rs b/src/ship/items/state.rs
index b22a25c..906762a 100644
--- a/src/ship/items/state.rs
+++ b/src/ship/items/state.rs
@@ -1,11 +1,12 @@
-use std::collections::HashMap;
+use std::collections::{HashMap, BinaryHeap};
+use std::cmp::Reverse;
 use async_std::sync::{Arc, RwLock, Mutex};
-use futures::future::join_all;
+use futures::stream::{FuturesOrdered, StreamExt};
 use anyhow::Context;
 
 use crate::entity::gateway::{EntityGateway, GatewayError};
 use crate::entity::character::{CharacterEntity, CharacterEntityId};
-use crate::entity::item::{ItemEntityId, ItemDetail, ItemEntity, InventoryItemEntity, BankItemEntity, BankName};
+use crate::entity::item::{ItemEntityId, ItemDetail, ItemEntity, InventoryItemEntity, BankItemEntity, BankIdentifier};
 use crate::entity::item::tool::Tool;
 use crate::entity::item::weapon::Weapon;
 use crate::entity::item::mag::Mag;
@@ -218,9 +219,8 @@ impl ItemState {
         Ok(ClientItemId(*self.room_item_id_counter.read().await))
     }
 
-    pub async fn load_character<EG: EntityGateway>(&mut self, entity_gateway: &mut EG, character: &CharacterEntity) -> Result<(), anyhow::Error> {
+    pub async fn load_character_inventory<EG: EntityGateway>(&mut self, entity_gateway: &mut EG, character: &CharacterEntity) -> Result<(), anyhow::Error> {
         let inventory = entity_gateway.get_character_inventory(&character.id).await?;
-        let bank = entity_gateway.get_character_bank(&character.id, &BankName("".into())).await?;
         let equipped = entity_gateway.get_character_equips(&character.id).await?;
 
         let inventory_items = inventory.items.into_iter()
@@ -262,49 +262,58 @@ impl ItemState {
             meseta: character_meseta,
         };
 
-        let bank_items = join_all(
-            bank.items.into_iter()
-                .map(|item| {
-                    let mut citem_state = self.clone();
-                    async move {
-                        Ok(match item {
-                            BankItemEntity::Individual(item) => {
-                                BankItem {
-                                    item_id: citem_state.new_item_id().await?,
-                                    item: BankItemDetail::Individual(IndividualItemDetail {
-                                        entity_id: item.id,
-                                        item: item.item,
-                                    })
-                                }
-                            },
-                            BankItemEntity::Stacked(items) => {
-                                BankItem {
-                                    item_id: citem_state.new_item_id().await?,
-                                    item:  BankItemDetail::Stacked(StackedItemDetail {
-                                        entity_ids: items.iter().map(|i| i.id).collect(),
-                                        tool: items.get(0)
-                                            .ok_or_else(|| ItemStateError::StackedItemError(items.clone()))?
-                                            .item
-                                            .clone()
-                                            .as_tool()
-                                            .ok_or_else(|| ItemStateError::StackedItemError(items.clone()))?
-                                    })
-                                }
-                            },
+        self.character_inventory
+            .write()
+            .await
+            .insert(character.id, RwLock::new(inventory_state));
+        Ok(())
+    }
+
+    pub async fn load_character_bank<EG: EntityGateway>(&mut self, entity_gateway: &mut EG, character: &CharacterEntity, bank_identifier: BankIdentifier) -> Result<(), anyhow::Error> {
+        let bank = entity_gateway.get_character_bank(&character.id, &bank_identifier).await?;
+        let bank_items = bank.items
+            .into_iter()
+            .map(|item| {
+                Ok(Reverse(match item {
+                    BankItemEntity::Individual(item) => {
+                        BankItemDetail::Individual(IndividualItemDetail {
+                            entity_id: item.id,
+                            item: item.item,
+                        })
+                    },
+                    BankItemEntity::Stacked(items) => {
+                        BankItemDetail::Stacked(StackedItemDetail {
+                            entity_ids: items.iter().map(|i| i.id).collect(),
+                            tool: items.get(0)
+                                .ok_or_else(|| ItemStateError::StackedItemError(items.clone()))?
+                                .item
+                                .clone()
+                                .as_tool()
+                                .ok_or_else(|| ItemStateError::StackedItemError(items.clone()))?
                         })
-                    }})
-                     .collect::<Vec<_>>())
-                .await
+                    }
+                }))
+            })
+            .collect::<Result<BinaryHeap<_>, anyhow::Error>>()?
+            .into_iter()
+            .map(|item| {
+                let mut citem_state = self.clone();
+                async move {
+                    Ok(BankItem {
+                        item_id: citem_state.new_item_id().await?,
+                        item: item.0,
+                    })
+                }
+            })
+            .collect::<FuturesOrdered<_>>()
+            .collect::<Vec<_>>()
+            .await
             .into_iter()
             .collect::<Result<Vec<_>, anyhow::Error>>()?;
 
-        let bank_meseta = entity_gateway.get_bank_meseta(&character.id, &BankName("".into())).await?;
-        let bank_state = BankState::new(character.id, BankName("".into()), Bank::new(bank_items), bank_meseta);
+        let bank_meseta = entity_gateway.get_bank_meseta(&character.id, &bank_identifier).await?;
+        let bank_state = BankState::new(character.id, bank_identifier, Bank::new(bank_items), bank_meseta);
 
-        self.character_inventory
-            .write()
-            .await
-            .insert(character.id, RwLock::new(inventory_state));
         self.character_bank
             .write()
             .await
@@ -312,6 +321,13 @@ impl ItemState {
         Ok(())
     }
 
+    pub async fn load_character<EG: EntityGateway>(&mut self, entity_gateway: &mut EG, character: &CharacterEntity) -> Result<(), anyhow::Error> {
+        self.load_character_inventory(entity_gateway, character).await?;
+        self.load_character_bank(entity_gateway, character, BankIdentifier::Character).await?;
+
+        Ok(())
+    }
+
     pub async fn add_character_to_room(&mut self, room_id: RoomId, character: &CharacterEntity, area_client: AreaClient) {
         let mut base_item_ids = self.room_gem_item_ids
             .write()
@@ -366,7 +382,7 @@ impl ItemState {
         let removed = {
             self.character_room.write().await.remove(&character.id)
         };
-        
+
         if let Some(room) = removed.as_ref() {
             // TODO: this looks wrong, .all(r != room) maybe?
             if self.character_room.read().await.iter().any(|(_, r)| r == room) {
diff --git a/src/ship/mod.rs b/src/ship/mod.rs
index 3bc573b..c58edb6 100644
--- a/src/ship/mod.rs
+++ b/src/ship/mod.rs
@@ -13,3 +13,4 @@ pub mod packet;
 pub mod quests;
 pub mod shops;
 pub mod trade;
+pub mod chatcommand;
diff --git a/src/ship/ship.rs b/src/ship/ship.rs
index 4bbed5e..8a1c6fa 100644
--- a/src/ship/ship.rs
+++ b/src/ship/ship.rs
@@ -28,6 +28,7 @@ use crate::ship::map::{Maps, MapsError, MapAreaError, generate_free_roam_maps};
 use crate::ship::packet::handler;
 use crate::ship::shops::{WeaponShop, ToolShop, ArmorShop};
 use crate::ship::trade::TradeState;
+use crate::ship::chatcommand;
 
 // TODO: remove once stuff settles down
 pub use crate::ship::client::*;
@@ -290,6 +291,7 @@ pub enum SendShipPacket {
     CancelTrade(CancelTrade),
     TradeSuccessful(TradeSuccessful),
     LobbyEvent(LobbyEvent),
+    LargeDialog(LargeDialog),
 }
 
 impl SendServerPacket for SendShipPacket {
@@ -333,6 +335,7 @@ impl SendServerPacket for SendShipPacket {
             SendShipPacket::CancelTrade(pkt) => pkt.as_bytes(),
             SendShipPacket::TradeSuccessful(pkt) => pkt.as_bytes(),
             SendShipPacket::LobbyEvent(pkt) => pkt.as_bytes(),
+            SendShipPacket::LargeDialog(pkt) => pkt.as_bytes(),
         }
     }
 }
@@ -495,10 +498,10 @@ impl Blocks {
 
 #[derive(Clone)]
 pub struct ShipServerState<EG: EntityGateway + Clone + 'static> {
-    entity_gateway: EG,
+    pub(crate) entity_gateway: EG,
     pub clients: Clients,
     name: String,
-    item_state: items::state::ItemState,
+    pub(crate) item_state: items::state::ItemState,
     shops: ItemShops,
     pub blocks: Blocks,
     event: ShipEvent,
@@ -733,8 +736,18 @@ impl<EG: EntityGateway + Clone> ServerState for ShipServerState<EG> {
                 self.direct_message(id, msg).await?
             },
             RecvShipPacket::PlayerChat(msg) => {
-                let block = self.blocks.get_from_client(id, &self.clients).await?;
-                handler::communication::player_chat(id, msg, &block.client_location, &self.clients).await?
+                match chatcommand::handle_chat_command(id, msg.clone(), self).await {
+                    Some(ccmd) => {
+                        match ccmd {
+                            Ok(pkts) => pkts,
+                            Err(msg) => vec![(id, SendShipPacket::LargeDialog(LargeDialog::new(msg)))]
+                        }
+                    },
+                    None => {
+                        let block = self.blocks.get_from_client(id, &self.clients).await?;
+                        handler::communication::player_chat(id, msg, &block.client_location, &self.clients).await?
+                    }
+                }
             },
             RecvShipPacket::CreateRoom(create_room) => {
                 let block = self.blocks.get_from_client(id, &self.clients).await?;
diff --git a/tests/common.rs b/tests/common.rs
index 1a8a6a0..e9dccd0 100644
--- a/tests/common.rs
+++ b/tests/common.rs
@@ -4,10 +4,12 @@ use elseware::common::serverstate::{ClientId, ServerState};
 use elseware::entity::gateway::EntityGateway;
 use elseware::entity::account::{UserAccountEntity, NewUserAccountEntity, NewUserSettingsEntity};
 use elseware::entity::character::{CharacterEntity, NewCharacterEntity};
-use elseware::entity::item::{Meseta, BankName};
+use elseware::entity::item::{Meseta, BankName, BankIdentifier};
 use elseware::ship::ship::{ShipServerState, RecvShipPacket};
 use elseware::ship::room::Difficulty;
 
+use elseware::entity::item;
+
 use libpso::packet::ship::*;
 use libpso::packet::login::{Login, Session};
 use libpso::{utf8_to_array, utf8_to_utf16_array};
@@ -30,7 +32,7 @@ pub async fn new_user_character<EG: EntityGateway + Clone>(entity_gateway: &mut
     let new_character = NewCharacterEntity::new(user.id);
     let character = entity_gateway.create_character(new_character).await.unwrap();
     entity_gateway.set_character_meseta(&character.id, Meseta(0)).await.unwrap();
-    entity_gateway.set_bank_meseta(&character.id, &BankName("".into()), Meseta(0)).await.unwrap();
+    entity_gateway.set_bank_meseta(&character.id, &BankIdentifier::Character, Meseta(0)).await.unwrap();
 
     (user, character)
 }
@@ -92,3 +94,44 @@ pub async fn join_room<EG: EntityGateway + Clone>(ship: &mut ShipServerState<EG>
     })).await.unwrap();
     ship.handle(id, RecvShipPacket::DoneBursting(DoneBursting {})).await.unwrap();
 }
+
+
+
+pub struct WeaponBuilder {
+    weapon: item::weapon::WeaponType,
+    grind: u8,
+}
+
+impl WeaponBuilder {
+    pub fn grind(self, grind: u8) -> WeaponBuilder {
+        WeaponBuilder {
+            grind,
+            ..self
+        }
+    }
+
+    pub fn as_new(self) -> item::NewItemEntity {
+        item::NewItemEntity {
+            item: item::ItemDetail::Weapon(
+                item::weapon::Weapon {
+                    weapon: self.weapon,
+                    grind: self.grind,
+                    special: None,
+                    attrs: [None, None, None],
+                    tekked: true,
+                }
+            )
+        }
+    }
+}
+
+pub struct ItemBuilder;
+
+impl ItemBuilder {
+    pub fn weapon(weapon: item::weapon::WeaponType) -> WeaponBuilder {
+        WeaponBuilder {
+            weapon,
+            grind: 0,
+        }
+    }
+}
diff --git a/tests/test_bank.rs b/tests/test_bank.rs
index e2c200b..71fc8f5 100644
--- a/tests/test_bank.rs
+++ b/tests/test_bank.rs
@@ -31,7 +31,7 @@ async fn test_bank_items_sent_in_character_login() {
             ),
         }).await.unwrap();
 
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![item]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![item]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -69,7 +69,7 @@ async fn test_request_bank_items() {
             }).await.unwrap());
     }
 
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -113,7 +113,7 @@ async fn test_request_stacked_bank_items() {
             }).await.unwrap());
     }
 
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -178,7 +178,7 @@ async fn test_request_bank_items_sorted() {
         }).await.unwrap();
 
     let bank = vec![item::BankItemEntity::Individual(item1), vec![monomate].into(), item2.into()];
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -275,7 +275,7 @@ async fn test_deposit_individual_item() {
         assert_eq!(item.id, item::ItemEntityId(1));
     }).unwrap();
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_individual(|item| {
         assert_eq!(item.id, item::ItemEntityId(2));
@@ -335,7 +335,7 @@ async fn test_deposit_stacked_item() {
                      && player_no_longer_has_item.amount == 3
     ));
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<Vec<_>>(),
@@ -397,7 +397,7 @@ async fn test_deposit_partial_stacked_item() {
     ));
 
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<Vec<_>>(),
@@ -443,7 +443,7 @@ async fn test_deposit_stacked_item_with_stack_already_in_bank() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![inventory_monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -477,7 +477,7 @@ async fn test_deposit_stacked_item_with_stack_already_in_bank() {
                      && player_no_longer_has_item.amount == 2
     ));
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<BTreeSet<_>>(),
@@ -516,7 +516,7 @@ async fn test_deposit_stacked_item_with_full_stack_in_bank() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![inventory_monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -543,7 +543,7 @@ async fn test_deposit_stacked_item_with_full_stack_in_bank() {
 
     assert!(packets.is_err());
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.len(), 10);
@@ -594,7 +594,7 @@ async fn test_deposit_individual_item_in_full_bank() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(inventory)).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -621,7 +621,7 @@ async fn test_deposit_individual_item_in_full_bank() {
 
     assert!(packets.is_err());
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 200);
 
     let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
@@ -666,7 +666,7 @@ async fn test_deposit_stacked_item_in_full_bank() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(full_bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(full_bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -693,7 +693,7 @@ async fn test_deposit_stacked_item_in_full_bank() {
 
     assert!(packets.is_err());
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 200);
 
     let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
@@ -752,7 +752,7 @@ async fn test_deposit_stacked_item_in_full_bank_with_partial_stack() {
     almost_full_bank.push(bank_monomates.into());
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(almost_full_bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(almost_full_bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -777,7 +777,7 @@ async fn test_deposit_stacked_item_in_full_bank_with_partial_stack() {
         unknown: 0,
     })))).await.unwrap();
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 200);
     bank_items.items[199].with_stacked(|items| {
         assert_eq!(items.len(), 4);
@@ -818,7 +818,7 @@ async fn test_deposit_meseta() {
     })))).await.unwrap();
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 277);
     assert!(c1_bank_meseta.0 == 23);
 }
@@ -829,7 +829,7 @@ async fn test_deposit_too_much_meseta() {
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
     entity_gateway.set_character_meseta(&char1.id, item::Meseta(300)).await.unwrap();
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(999980)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(999980)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -857,7 +857,7 @@ async fn test_deposit_too_much_meseta() {
     assert!(packets.is_err());
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 300);
     assert!(c1_bank_meseta.0 == 999980);
 }
@@ -868,7 +868,7 @@ async fn test_deposit_meseta_when_bank_is_maxed() {
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
     entity_gateway.set_character_meseta(&char1.id, item::Meseta(300)).await.unwrap();
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(999999)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(999999)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -896,7 +896,7 @@ async fn test_deposit_meseta_when_bank_is_maxed() {
     assert!(packets.is_err());
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 300);
     assert!(c1_bank_meseta.0 == 999999);
 }
@@ -923,7 +923,7 @@ async fn test_withdraw_individual_item() {
             ),
         }).await.unwrap());
 
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -983,7 +983,7 @@ async fn test_withdraw_stacked_item() {
             }).await.unwrap());
     }
 
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1042,7 +1042,7 @@ async fn test_withdraw_partial_stacked_item() {
                 ),
             }).await.unwrap());
     }
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1075,7 +1075,7 @@ async fn test_withdraw_partial_stacked_item() {
                      if create_item.item_id == 0x20001
     ));
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<Vec<_>>(),
@@ -1120,7 +1120,7 @@ async fn test_withdraw_stacked_item_with_stack_already_in_inventory() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![inventory_monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1153,7 +1153,7 @@ async fn test_withdraw_stacked_item_with_stack_already_in_inventory() {
                      if create_item.item_id == 0x20000
     ));
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 0);
 
     let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
@@ -1195,7 +1195,7 @@ async fn test_withdraw_stacked_item_with_full_stack_in_inventory() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![inventory_monomates])).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1222,7 +1222,7 @@ async fn test_withdraw_stacked_item_with_full_stack_in_inventory() {
 
     assert!(packets.is_err());
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<Vec<_>>(),
@@ -1273,7 +1273,7 @@ async fn test_withdraw_individual_item_in_full_inventory() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(inventory)).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(bank), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1299,7 +1299,7 @@ async fn test_withdraw_individual_item_in_full_inventory() {
     })))).await;
     assert!(packets.is_err());
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
 
     let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
@@ -1341,7 +1341,7 @@ async fn test_withdraw_stacked_item_in_full_inventory() {
     }
 
     entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(inventory)).await.unwrap();
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1369,7 +1369,7 @@ async fn test_withdraw_stacked_item_in_full_inventory() {
     assert!(packets.is_err());
 
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert_eq!(bank_items.items.len(), 1);
     bank_items.items[0].with_stacked(|items| {
         assert_eq!(items.iter().map(|i| i.id).collect::<Vec<_>>(),
@@ -1397,7 +1397,7 @@ async fn test_withdraw_stacked_item_in_full_inventory_with_partial_stack() {
                 ),
             }).await.unwrap());
     }
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_item]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![bank_item]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut items = Vec::new();
     for _i in 0..29usize {
@@ -1453,7 +1453,7 @@ async fn test_withdraw_stacked_item_in_full_inventory_with_partial_stack() {
         unknown: 0,
     })))).await.unwrap();
 
-    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankName("".into())).await.unwrap();
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(bank_items.items.len() == 0);
 
     let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
@@ -1471,7 +1471,7 @@ async fn test_withdraw_meseta() {
     let mut entity_gateway = InMemoryGateway::default();
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(300)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1497,7 +1497,7 @@ async fn test_withdraw_meseta() {
     })))).await.unwrap();
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 23);
     assert!(c1_bank_meseta.0 == 277);
 }
@@ -1508,7 +1508,7 @@ async fn test_withdraw_too_much_meseta() {
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
     entity_gateway.set_character_meseta(&char1.id, item::Meseta(999980)).await.unwrap();
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(300)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1536,7 +1536,7 @@ async fn test_withdraw_too_much_meseta() {
     assert!(packet.is_err());
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 999980);
     assert!(c1_bank_meseta.0 == 300);
 }
@@ -1547,7 +1547,7 @@ async fn test_withdraw_meseta_inventory_is_maxed() {
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
     entity_gateway.set_character_meseta(&char1.id, item::Meseta(999999)).await.unwrap();
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(300)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1575,7 +1575,7 @@ async fn test_withdraw_meseta_inventory_is_maxed() {
     assert!(packet.is_err());
 
     let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     assert!(c1_meseta.0 == 999999);
     assert!(c1_bank_meseta.0 == 300);
 }
@@ -1588,7 +1588,7 @@ async fn test_withdraw_meseta_and_buy_a_few_monomates_with_it() {
 
     let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
     entity_gateway.set_character_meseta(&char1.id, item::Meseta(100)).await.unwrap();
-    entity_gateway.set_bank_meseta(&char1.id, &item::BankName("".into()), item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(300)).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())
@@ -1629,7 +1629,416 @@ async fn test_withdraw_meseta_and_buy_a_few_monomates_with_it() {
     })))).await.unwrap();
 
     //let c1_meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
-    //let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankName("".into())).await.unwrap();
+    //let c1_bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
     //assert!(c1_meseta.0 == 23);
     //assert!(c1_bank_meseta.0 == 277);
 }
+
+#[async_std::test]
+async fn test_deposit_items_into_shared_banks() {
+    let mut entity_gateway = InMemoryGateway::default();
+
+    let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
+
+    let item0 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Saber).as_new()).await.unwrap();
+    let item1 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Buster).as_new()).await.unwrap();
+    let item2 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Rifle).as_new()).await.unwrap();
+    let item3 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Handgun).as_new()).await.unwrap();
+    let item4 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Autogun).as_new()).await.unwrap();
+    let item5 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Calibur).as_new()).await.unwrap();
+
+    entity_gateway.set_character_inventory(&char1.id, &item::InventoryEntity::new(vec![item0, item1, item2, item3, item4, item5])).await.unwrap();
+
+    let mut ship = Box::new(ShipServerState::builder()
+        .gateway(entity_gateway.clone())
+        .build());
+    log_in_char(&mut ship, ClientId(1), "a1", "a").await;
+    join_lobby(&mut ship, ClientId(1)).await;
+    create_room(&mut ship, ClientId(1), "room", "").await;
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x10000,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank asdf".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x10001,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x10002,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank qwer".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x10003,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/bank".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x10004,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Shared(item::BankName("asdf".into()))).await.unwrap();
+    assert_eq!(bank_items.items.len(), 2);
+    bank_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(2));
+    }).unwrap();
+
+    bank_items.items[1].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(3));
+    }).unwrap();
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Shared(item::BankName("qwer".into()))).await.unwrap();
+    assert_eq!(bank_items.items.len(), 1);
+    bank_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(4));
+    }).unwrap();
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
+    assert_eq!(bank_items.items.len(), 2);
+    bank_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(1));
+    }).unwrap();
+
+    bank_items.items[1].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(5));
+    }).unwrap();
+
+    let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
+    assert_eq!(inventory_items.items.len(), 1);
+    inventory_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(6));
+    }).unwrap();
+}
+
+
+#[async_std::test]
+async fn test_deposit_meseta_into_shared_banks() {
+    let mut entity_gateway = InMemoryGateway::default();
+
+    let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
+    entity_gateway.set_character_meseta(&char1.id, item::Meseta(300)).await.unwrap();
+
+    let mut ship = Box::new(ShipServerState::builder()
+        .gateway(entity_gateway.clone())
+        .build());
+    log_in_char(&mut ship, ClientId(1), "a1", "a").await;
+    join_lobby(&mut ship, ClientId(1)).await;
+    create_room(&mut ship, ClientId(1), "room", "").await;
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 23,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank asdf".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 55,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank qwer".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 0,
+        item_amount: 0,
+        meseta_amount: 32,
+        unknown: 0,
+    })))).await.unwrap();
+
+    let meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
+    assert_eq!(meseta.0, 300-23-55-32);
+
+    let bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
+    assert_eq!(bank_meseta.0, 23);
+    let bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("asdf".into()))).await.unwrap();
+    assert_eq!(bank_meseta.0, 55);
+    let bank_meseta = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("qwer".into()))).await.unwrap();
+    assert_eq!(bank_meseta.0, 32);
+}
+
+#[async_std::test]
+async fn test_withdraw_items_from_shared_banks() {
+    let mut entity_gateway = InMemoryGateway::default();
+
+    let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
+
+    let item0 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Saber).as_new()).await.unwrap();
+    let item1 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Buster).as_new()).await.unwrap();
+    let item2 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Rifle).as_new()).await.unwrap();
+    let item3 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Handgun).as_new()).await.unwrap();
+    let item4 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Autogun).as_new()).await.unwrap();
+    let item5 = entity_gateway.create_item(ItemBuilder::weapon(item::weapon::WeaponType::Calibur).as_new()).await.unwrap();
+
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![item0, item1]), &item::BankIdentifier::Character).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![item2, item3]), &item::BankIdentifier::Shared(item::BankName("asdf".into()))).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![item4, item5]), &item::BankIdentifier::Shared(item::BankName("qwer".into()))).await.unwrap();
+
+    let mut ship = Box::new(ShipServerState::builder()
+        .gateway(entity_gateway.clone())
+        .build());
+    log_in_char(&mut ship, ClientId(1), "a1", "a").await;
+    join_lobby(&mut ship, ClientId(1)).await;
+    create_room(&mut ship, ClientId(1), "room", "").await;
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x20000, // saber (1)
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank asdf".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x810003, // handgun (4)
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x810004, // rifle (3)
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank qwer".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0x810006, // autogun (5)
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Shared(item::BankName("asdf".into()))).await.unwrap();
+    assert_eq!(bank_items.items.len(), 0);
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Shared(item::BankName("qwer".into()))).await.unwrap();
+    assert_eq!(bank_items.items.len(), 1);
+    bank_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(6));
+    }).unwrap();
+
+    let bank_items = entity_gateway.get_character_bank(&char1.id, &item::BankIdentifier::Character).await.unwrap();
+    assert_eq!(bank_items.items.len(), 1);
+    bank_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(2));
+    }).unwrap();
+
+    let inventory_items = entity_gateway.get_character_inventory(&char1.id).await.unwrap();
+    assert_eq!(inventory_items.items.len(), 4);
+    inventory_items.items[0].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(1));
+    }).unwrap();
+    inventory_items.items[1].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(4));
+    }).unwrap();
+    inventory_items.items[2].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(3));
+    }).unwrap();
+    inventory_items.items[3].with_individual(|item| {
+        assert_eq!(item.id, item::ItemEntityId(5));
+    }).unwrap();
+}
+
+
+#[async_std::test]
+async fn test_withdraw_meseta_from_shared_banks() {
+    let mut entity_gateway = InMemoryGateway::default();
+
+    let (_user1, char1) = new_user_character(&mut entity_gateway, "a1", "a", 1).await;
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Character, item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("asdf".into())), item::Meseta(300)).await.unwrap();
+    entity_gateway.set_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("qwer".into())), item::Meseta(300)).await.unwrap();
+
+    let mut ship = Box::new(ShipServerState::builder()
+        .gateway(entity_gateway.clone())
+        .build());
+    log_in_char(&mut ship, ClientId(1), "a1", "a").await;
+    join_lobby(&mut ship, ClientId(1)).await;
+    create_room(&mut ship, ClientId(1), "room", "").await;
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 23,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank asdf".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 55,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/sbank qwer".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 32,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::PlayerChat(PlayerChat::new(0, "\tE/bank".into()))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankRequest(BankRequest {
+        client: 0,
+        target: 0,
+        unknown: 0,
+    })))).await.unwrap();
+
+    ship.handle(ClientId(1), RecvShipPacket::DirectMessage(DirectMessage::new(0, GameMessage::BankInteraction(BankInteraction {
+        client: 0,
+        target: 0,
+        item_id: 0xFFFFFFFF,
+        action: 1,
+        item_amount: 0,
+        meseta_amount: 5,
+        unknown: 0,
+    })))).await.unwrap();
+
+    let meseta = entity_gateway.get_character_meseta(&char1.id).await.unwrap();
+    let bank_meseta1 = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Character).await.unwrap();
+    let bank_meseta2 = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("asdf".into()))).await.unwrap();
+    let bank_meseta3 = entity_gateway.get_bank_meseta(&char1.id, &item::BankIdentifier::Shared(item::BankName("qwer".into()))).await.unwrap();
+    assert_eq!(meseta.0, 23+55+32+5);
+    assert_eq!(bank_meseta1.0, 300-23-5);
+    assert_eq!(bank_meseta2.0, 300-55);
+    assert_eq!(bank_meseta3.0, 300-32);
+}
diff --git a/tests/test_item_id.rs b/tests/test_item_id.rs
index f8f165f..f8ba644 100644
--- a/tests/test_item_id.rs
+++ b/tests/test_item_id.rs
@@ -330,7 +330,7 @@ async fn test_depositing_a_full_stack_then_withdrawing_part() {
                 ),
             }).await.unwrap());
     }
-    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankName("".into())).await.unwrap();
+    entity_gateway.set_character_bank(&char1.id, &item::BankEntity::new(vec![monomates]), &item::BankIdentifier::Character).await.unwrap();
 
     let mut ship = Box::new(ShipServerState::builder()
         .gateway(entity_gateway.clone())