The Bank is a location on the map in the game. However, when you purchase something from the bank, it will cost actual money. You can purchase both action points and in game dollars via Landline, PayPal or Zong. You can buy 100 AP or dollars for 3 dollars US currency, 350 AP or dollars for 9 dollars US currency and so on. After you make a purchase at the bank, a confirmation email will be sent to you by Iris once you receive your AP or Dollars.