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Coins in your pocket are fine. Coins in the Bank can earn interest while you go about your day.
Interest is collected once per Sensipets day, up to the daily cap. Depositing uses that day's collection window, so collect before depositing when interest is ready.
Banking basics
Deposit — move coins somewhere safe.
Collect interest — eligible accounts can collect once each day.
Withdraw available funds — account tiers may require you to keep a minimum balance.
Put a little away today. Thank yourself later.
— Marc, just Marc