> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.thepennyinc.com/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.thepennyinc.com/_mcp/server.

# Banking

Penny Banking gives you Capital, Control, and Linked Accounts, a shared ledger, and transfers between your Capital Accounts. Capital Accounts hold a real balance. Control Accounts hold no balance of their own: they scope how much can be spent against a Capital Account, and how fast. Linked Accounts are external bank accounts you register as sources of incoming funds.

Start with [Accounts](/banking/accounts) for how the account types relate, then [Transactions](/banking/transactions) for how money movement shows up on the ledger.