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Stardew Valley · Gameplay Mechanics

Pelican Valley Bank

Beta

A farm-friendly banking system with checking, savings, interest, transaction history, and an optional in-game Smartphone app.

Nexus Mods ↗
Version
0.3.0-beta
Released
2026-08-24
Updated
2026-08-31

Overview

Pelican Valley Bank adds a separate bank account to Stardew Valley without replacing the farmer's normal wallet. Deposits, withdrawals, balances, interest, and transaction records are presented through the bank's book and in-world correspondence.

Pelican Valley Bank is officially supported as an app for the Smartphone mod. Smartphone is optional: the bank remains fully usable through its normal in-game interface when Smartphone is not installed.

Features

  • Separate checking and savings balances
  • Deposits, withdrawals, and account status commands
  • Interest tracking with pending and posted amounts
  • Transaction history and bankbook records
  • In-world invitation and account-opening flow
  • Official Smartphone app integration
  • Existing-save support and multiplayer-safe account ownership

Installation

  1. Install SMAPI if it is not already installed.
  2. Extract Pelican Valley Bank into the Stardew Valley Mods folder.
  3. Launch the game through SMAPI and complete the bank's invitation or account-opening flow.
  4. Install Smartphone separately if the Pelican Valley Bank app is wanted; it is not required for the bank itself.
  5. GMCM is optional and only adds in-game configuration controls.

Multiplayer

  • The bank account belongs to the farm and is not duplicated for each player.
  • Transactions and balance changes are recorded once through the host-safe game flow.
  • The Smartphone app is an optional interface to the same bank account, not a separate account system.

Changelog

0.4.1-beta Save safety, Android input, and earnings safeguards

  • Fixed QuickSave balance loss by checkpointing PVB data before QuickSave snapshots are built.
  • Added immediate save-data checkpoints after account opening, deposits, withdrawals, internal transfers, and companion-mod credits.
  • Added recovery guards for missing or unexpectedly empty account records without overwriting the last distinct recovery state.
  • Fixed custom amount entry on Android through Stardew's text-entry and soft-keyboard path.
  • Fixed wallet withdrawals being counted as newly earned income, including authoritative multiplayer wallet synchronization.
  • Kept save schema 4 unchanged; updating from 0.4.0 does not migrate, reset, or rewrite account ownership or balances.

0.4.0-beta Native Smartphone banking and transfer confirmations

  • Added a Smartphone-native Pelican Valley Bank interface using Smartphone's public frame, theme, scaling, position, and navigation APIs.
  • Added Home, Transfer, Activity, and Details tabs with wallet, checking, savings, pending interest, transactions, account terms, and a bankbook shortcut.
  • Added exact amount/source/destination confirmations before transfers in both the phone app and regular bankbook.
  • Kept Smartphone optional; the phone owns no banking state and every transfer uses the existing host-authoritative handlers.
  • Kept save schema 4 unchanged so adding, updating, or removing Smartphone cannot alter bank balances.

0.3.0-beta Optional Smartphone launcher

  • Added official optional integration with HaPyke's Smartphone framework.
  • Registered a Pelican Valley Bank phone app that opens the existing bankbook flow.
  • Kept Smartphone behind SMAPI's optional API lookup with no compile-time DLL reference.
  • Confirmed that Smartphone-specific code stores no balance or account data.

0.2.0-beta.1 Checking, savings, and integration foundation

  • Split the original Standard Account into checking and savings under one permanent relationship number.
  • Added account selection, separate ledgers, internal transfers, savings interest, and seasonal credits.
  • Added schema 4 migration for legacy balances, transactions, statements, and pending interest.
  • Added public API v1 direct credits, durable external-payment receipts, and idempotency protection.
  • Expanded host-authoritative multiplayer requests and added account-selection and internal-transfer diagnostics.

0.1.0 Release candidate

  • Added the Pelican Valley Bank invitation, application, and next-morning approval flow.
  • Added existing-save onboarding, a permanent account number, deposits, withdrawals, transfers, and overflow checks.
  • Added the parchment bankbook, daily interest, seasonal statements, optional GMCM settings, and host-authoritative multiplayer.
  • Added request retry protection, wallet-mode safeguards, schema migration, sequence repair, and backup recovery.