The vast distances between the stars complicate galactic banking. Since instant communication between star systems is beyond current drivesat capabilities, the citizens of the 26th century find themselves financially limited as they travel. To access money, a traveler must temporarily open an account with a bank in the local star system. Typically, the traveler transfers funds in advance via a drivespace communication relay.

To buy or sell in systems without a drivespace relay, an individual can carry a 3D crystal that contains the same data as a drivespace message. Once the 3D crystal arrives at a bank in the destination system, the traveler has full access to the funds it verifies. The 3D crystal can be protected by its owner's bio- electric signature, and most banks limit 3D crystal transfers to $100,000 for individuals and $10,000,000 for corporations. The Galactic Bank can authorize larger transfers, but it typically watches such transfers closely to avoid fraud or other crimes. Modified shipboard systems can also store bioelectrically secured funds; military personnel and traders depend on these secure onboard systems.

Banks charge money for their services. They charge a straight 1% fee-to a maximum of $1,000-for transferring money to another star system, onto a 3D crystal, or into a shipboard computer.