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IIRC it only gives interest once a month just like a real bank. I haven't actually ever tested to see if it's working though. You see both the credit & shop mods were made for a different version of vB and I had to edit the mods and re-code a portion of it to get it to work and install on our forum because I didn't have access to the upgrade of the software. I do know a couple other features weren't working correctly.