[Darkwaltz4]

you can do that already is what I said.

1) Regular checking account
2) Savings account

Upgrading from vbcredits 1.x will preserve everyone's amounts. You can set an interest event on your savings currency so that it acts like a savings account.

Then, create transfer events for users to move their own currencies between checking and savings at will, and a donate event only for checking for each other.

Voila, bank. On the next lite version (which will be this friday, or get pro version available now) most of this will be set up automatically for you, but you can still do this manually (only a couple simple steps I can help you with if you really get lost) to it right now.