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We walked into a base, at the time we had no indication it was a bank due to the lack of a "Bank" sign as well as there being no bankers inside (only Ryzo who was a shop owner)
We were frozen as we were investigating and then Ryzo told us it was a bank and they didn't need to be a sign because it says "Zarp Bank" outside the actual bank (next to the NPC) even though anyone can own the doors.
There was no way for us to have know it was a bank at the time