An account must be created with an minimum balance of 100 coins. You have 3 free withdrawls per Puddleby zodiac (one real life week). After that, a one coin fee is charged. There is no maximum for withdrawls. But you must keep a balance of 100 coins to avoid being charged a two coin maitance fee per zodiac. You must also give a warning one zodiac in advance before closing your account. Interest is compounded yearly (every 91 days). At midnight of the last day of the year, the proper interest will be added to the account balance as of midnight that day.