diff --git a/README.md b/README.md
index aeab1c4..75535fe 100644
--- a/README.md
+++ b/README.md
@@ -34,7 +34,7 @@ Key settings:
 - `auth.accept_after` — accept login after N failures per IP (default `10`)
 - `auth.credential_ttl` — how long to remember accepted credentials (default `24h`)
 - `auth.static_credentials` — always-accepted username/password pairs (optional `shell` field routes to a specific shell)
-- Available shells: `bash` (fake Linux shell), `fridge` (Samsung Smart Fridge OS)
+- Available shells: `bash` (fake Linux shell), `fridge` (Samsung Smart Fridge OS), `banking` (80s-style bank terminal TUI)
 - `storage.db_path` — SQLite database path (default `oubliette.db`)
 - `storage.retention_days` — auto-prune records older than N days (default `90`)
 - `storage.retention_interval` — how often to run retention (default `1h`)
diff --git a/cmd/oubliette/main.go b/cmd/oubliette/main.go
index 06936e5..c4af8ad 100644
--- a/cmd/oubliette/main.go
+++ b/cmd/oubliette/main.go
@@ -19,7 +19,7 @@ import (
 	"git.t-juice.club/torjus/oubliette/internal/web"
 )
 
-const Version = "0.4.0"
+const Version = "0.5.0"
 
 func main() {
 	if err := run(); err != nil {
diff --git a/go.mod b/go.mod
index f41df74..a8e8eab 100644
--- a/go.mod
+++ b/go.mod
@@ -4,18 +4,35 @@ go 1.25.5
 
 require (
 	github.com/BurntSushi/toml v1.6.0
+	github.com/charmbracelet/bubbletea v1.3.10
+	github.com/charmbracelet/lipgloss v1.1.0
 	github.com/google/uuid v1.6.0
 	golang.org/x/crypto v0.48.0
 	modernc.org/sqlite v1.45.0
 )
 
 require (
+	github.com/aymanbagabas/go-osc52/v2 v2.0.1 // indirect
+	github.com/charmbracelet/colorprofile v0.2.3-0.20250311203215-f60798e515dc // indirect
+	github.com/charmbracelet/x/ansi v0.10.1 // indirect
+	github.com/charmbracelet/x/cellbuf v0.0.13-0.20250311204145-2c3ea96c31dd // indirect
+	github.com/charmbracelet/x/term v0.2.1 // indirect
 	github.com/dustin/go-humanize v1.0.1 // indirect
+	github.com/erikgeiser/coninput v0.0.0-20211004153227-1c3628e74d0f // indirect
+	github.com/lucasb-eyer/go-colorful v1.2.0 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mattn/go-localereader v0.0.1 // indirect
+	github.com/mattn/go-runewidth v0.0.16 // indirect
+	github.com/muesli/ansi v0.0.0-20230316100256-276c6243b2f6 // indirect
+	github.com/muesli/cancelreader v0.2.2 // indirect
+	github.com/muesli/termenv v0.16.0 // indirect
 	github.com/ncruces/go-strftime v1.0.0 // indirect
 	github.com/remyoudompheng/bigfft v0.0.0-20230129092748-24d4a6f8daec // indirect
+	github.com/rivo/uniseg v0.4.7 // indirect
+	github.com/xo/terminfo v0.0.0-20220910002029-abceb7e1c41e // indirect
 	golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 // indirect
 	golang.org/x/sys v0.41.0 // indirect
+	golang.org/x/text v0.34.0 // indirect
 	modernc.org/libc v1.67.6 // indirect
 	modernc.org/mathutil v1.7.1 // indirect
 	modernc.org/memory v1.11.0 // indirect
diff --git a/go.sum b/go.sum
index 10c12aa..bea8c35 100644
--- a/go.sum
+++ b/go.sum
@@ -1,34 +1,70 @@
 github.com/BurntSushi/toml v1.6.0 h1:dRaEfpa2VI55EwlIW72hMRHdWouJeRF7TPYhI+AUQjk=
 github.com/BurntSushi/toml v1.6.0/go.mod h1:ukJfTF/6rtPPRCnwkur4qwRxa8vTRFBF0uk2lLoLwho=
+github.com/aymanbagabas/go-osc52/v2 v2.0.1 h1:HwpRHbFMcZLEVr42D4p7XBqjyuxQH5SMiErDT4WkJ2k=
+github.com/aymanbagabas/go-osc52/v2 v2.0.1/go.mod h1:uYgXzlJ7ZpABp8OJ+exZzJJhRNQ2ASbcXHWsFqH8hp8=
+github.com/charmbracelet/bubbletea v1.3.10 h1:otUDHWMMzQSB0Pkc87rm691KZ3SWa4KUlvF9nRvCICw=
+github.com/charmbracelet/bubbletea v1.3.10/go.mod h1:ORQfo0fk8U+po9VaNvnV95UPWA1BitP1E0N6xJPlHr4=
+github.com/charmbracelet/colorprofile v0.2.3-0.20250311203215-f60798e515dc h1:4pZI35227imm7yK2bGPcfpFEmuY1gc2YSTShr4iJBfs=
+github.com/charmbracelet/colorprofile v0.2.3-0.20250311203215-f60798e515dc/go.mod h1:X4/0JoqgTIPSFcRA/P6INZzIuyqdFY5rm8tb41s9okk=
+github.com/charmbracelet/lipgloss v1.1.0 h1:vYXsiLHVkK7fp74RkV7b2kq9+zDLoEU4MZoFqR/noCY=
+github.com/charmbracelet/lipgloss v1.1.0/go.mod h1:/6Q8FR2o+kj8rz4Dq0zQc3vYf7X+B0binUUBwA0aL30=
+github.com/charmbracelet/x/ansi v0.10.1 h1:rL3Koar5XvX0pHGfovN03f5cxLbCF2YvLeyz7D2jVDQ=
+github.com/charmbracelet/x/ansi v0.10.1/go.mod h1:3RQDQ6lDnROptfpWuUVIUG64bD2g2BgntdxH0Ya5TeE=
+github.com/charmbracelet/x/cellbuf v0.0.13-0.20250311204145-2c3ea96c31dd h1:vy0GVL4jeHEwG5YOXDmi86oYw2yuYUGqz6a8sLwg0X8=
+github.com/charmbracelet/x/cellbuf v0.0.13-0.20250311204145-2c3ea96c31dd/go.mod h1:xe0nKWGd3eJgtqZRaN9RjMtK7xUYchjzPr7q6kcvCCs=
+github.com/charmbracelet/x/term v0.2.1 h1:AQeHeLZ1OqSXhrAWpYUtZyX1T3zVxfpZuEQMIQaGIAQ=
+github.com/charmbracelet/x/term v0.2.1/go.mod h1:oQ4enTYFV7QN4m0i9mzHrViD7TQKvNEEkHUMCmsxdUg=
 github.com/dustin/go-humanize v1.0.1 h1:GzkhY7T5VNhEkwH0PVJgjz+fX1rhBrR7pRT3mDkpeCY=
 github.com/dustin/go-humanize v1.0.1/go.mod h1:Mu1zIs6XwVuF/gI1OepvI0qD18qycQx+mFykh5fBlto=
+github.com/erikgeiser/coninput v0.0.0-20211004153227-1c3628e74d0f h1:Y/CXytFA4m6baUTXGLOoWe4PQhGxaX0KpnayAqC48p4=
+github.com/erikgeiser/coninput v0.0.0-20211004153227-1c3628e74d0f/go.mod h1:vw97MGsxSvLiUE2X8qFplwetxpGLQrlU1Q9AUEIzCaM=
 github.com/google/pprof v0.0.0-20250317173921-a4b03ec1a45e h1:ijClszYn+mADRFY17kjQEVQ1XRhq2/JR1M3sGqeJoxs=
 github.com/google/pprof v0.0.0-20250317173921-a4b03ec1a45e/go.mod h1:boTsfXsheKC2y+lKOCMpSfarhxDeIzfZG1jqGcPl3cA=
 github.com/google/uuid v1.6.0 h1:NIvaJDMOsjHA8n1jAhLSgzrAzy1Hgr+hNrb57e+94F0=
 github.com/google/uuid v1.6.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
 github.com/hashicorp/golang-lru/v2 v2.0.7 h1:a+bsQ5rvGLjzHuww6tVxozPZFVghXaHOwFs4luLUK2k=
 github.com/hashicorp/golang-lru/v2 v2.0.7/go.mod h1:QeFd9opnmA6QUJc5vARoKUSoFhyfM2/ZepoAG6RGpeM=
+github.com/lucasb-eyer/go-colorful v1.2.0 h1:1nnpGOrhyZZuNyfu1QjKiUICQ74+3FNCN69Aj6K7nkY=
+github.com/lucasb-eyer/go-colorful v1.2.0/go.mod h1:R4dSotOR9KMtayYi1e77YzuveK+i7ruzyGqttikkLy0=
 github.com/mattn/go-isatty v0.0.20 h1:xfD0iDuEKnDkl03q4limB+vH+GxLEtL/jb4xVJSWWEY=
 github.com/mattn/go-isatty v0.0.20/go.mod h1:W+V8PltTTMOvKvAeJH7IuucS94S2C6jfK/D7dTCTo3Y=
+github.com/mattn/go-localereader v0.0.1 h1:ygSAOl7ZXTx4RdPYinUpg6W99U8jWvWi9Ye2JC/oIi4=
+github.com/mattn/go-localereader v0.0.1/go.mod h1:8fBrzywKY7BI3czFoHkuzRoWE9C+EiG4R1k4Cjx5p88=
+github.com/mattn/go-runewidth v0.0.16 h1:E5ScNMtiwvlvB5paMFdw9p4kSQzbXFikJ5SQO6TULQc=
+github.com/mattn/go-runewidth v0.0.16/go.mod h1:Jdepj2loyihRzMpdS35Xk/zdY8IAYHsh153qUoGf23w=
+github.com/muesli/ansi v0.0.0-20230316100256-276c6243b2f6 h1:ZK8zHtRHOkbHy6Mmr5D264iyp3TiX5OmNcI5cIARiQI=
+github.com/muesli/ansi v0.0.0-20230316100256-276c6243b2f6/go.mod h1:CJlz5H+gyd6CUWT45Oy4q24RdLyn7Md9Vj2/ldJBSIo=
+github.com/muesli/cancelreader v0.2.2 h1:3I4Kt4BQjOR54NavqnDogx/MIoWBFa0StPA8ELUXHmA=
+github.com/muesli/cancelreader v0.2.2/go.mod h1:3XuTXfFS2VjM+HTLZY9Ak0l6eUKfijIfMUZ4EgX0QYo=
+github.com/muesli/termenv v0.16.0 h1:S5AlUN9dENB57rsbnkPyfdGuWIlkmzJjbFf0Tf5FWUc=
+github.com/muesli/termenv v0.16.0/go.mod h1:ZRfOIKPFDYQoDFF4Olj7/QJbW60Ol/kL1pU3VfY/Cnk=
 github.com/ncruces/go-strftime v1.0.0 h1:HMFp8mLCTPp341M/ZnA4qaf7ZlsbTc+miZjCLOFAw7w=
 github.com/ncruces/go-strftime v1.0.0/go.mod h1:Fwc5htZGVVkseilnfgOVb9mKy6w1naJmn9CehxcKcls=
 github.com/remyoudompheng/bigfft v0.0.0-20230129092748-24d4a6f8daec h1:W09IVJc94icq4NjY3clb7Lk8O1qJ8BdBEF8z0ibU0rE=
 github.com/remyoudompheng/bigfft v0.0.0-20230129092748-24d4a6f8daec/go.mod h1:qqbHyh8v60DhA7CoWK5oRCqLrMHRGoxYCSS9EjAz6Eo=
+github.com/rivo/uniseg v0.2.0/go.mod h1:J6wj4VEh+S6ZtnVlnTBMWIodfgj8LQOQFoIToxlJtxc=
+github.com/rivo/uniseg v0.4.7 h1:WUdvkW8uEhrYfLC4ZzdpI2ztxP1I582+49Oc5Mq64VQ=
+github.com/rivo/uniseg v0.4.7/go.mod h1:FN3SvrM+Zdj16jyLfmOkMNblXMcoc8DfTHruCPUcx88=
+github.com/xo/terminfo v0.0.0-20220910002029-abceb7e1c41e h1:JVG44RsyaB9T2KIHavMF/ppJZNG9ZpyihvCd0w101no=
+github.com/xo/terminfo v0.0.0-20220910002029-abceb7e1c41e/go.mod h1:RbqR21r5mrJuqunuUZ/Dhy/avygyECGrLceyNeo4LiM=
 golang.org/x/crypto v0.48.0 h1:/VRzVqiRSggnhY7gNRxPauEQ5Drw9haKdM0jqfcCFts=
 golang.org/x/crypto v0.48.0/go.mod h1:r0kV5h3qnFPlQnBSrULhlsRfryS2pmewsg+XfMgkVos=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 h1:mgKeJMpvi0yx/sU5GsxQ7p6s2wtOnGAHZWCHUM4KGzY=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546/go.mod h1:j/pmGrbnkbPtQfxEe5D0VQhZC6qKbfKifgD0oM7sR70=
-golang.org/x/mod v0.29.0 h1:HV8lRxZC4l2cr3Zq1LvtOsi/ThTgWnUk/y64QSs8GwA=
-golang.org/x/mod v0.29.0/go.mod h1:NyhrlYXJ2H4eJiRy/WDBO6HMqZQ6q9nk4JzS3NuCK+w=
-golang.org/x/sync v0.17.0 h1:l60nONMj9l5drqw6jlhIELNv9I0A4OFgRsG9k2oT9Ug=
-golang.org/x/sync v0.17.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/mod v0.32.0 h1:9F4d3PHLljb6x//jOyokMv3eX+YDeepZSEo3mFJy93c=
+golang.org/x/mod v0.32.0/go.mod h1:SgipZ/3h2Ci89DlEtEXWUk/HteuRin+HHhN+WbNhguU=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sys v0.0.0-20210809222454-d867a43fc93e/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.41.0 h1:Ivj+2Cp/ylzLiEU89QhWblYnOE9zerudt9Ftecq2C6k=
 golang.org/x/sys v0.41.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.40.0 h1:36e4zGLqU4yhjlmxEaagx2KuYbJq3EwY8K943ZsHcvg=
 golang.org/x/term v0.40.0/go.mod h1:w2P8uVp06p2iyKKuvXIm7N/y0UCRt3UfJTfZ7oOpglM=
-golang.org/x/tools v0.38.0 h1:Hx2Xv8hISq8Lm16jvBZ2VQf+RLmbd7wVUsALibYI/IQ=
-golang.org/x/tools v0.38.0/go.mod h1:yEsQ/d/YK8cjh0L6rZlY8tgtlKiBNTL14pGDJPJpYQs=
+golang.org/x/text v0.34.0 h1:oL/Qq0Kdaqxa1KbNeMKwQq0reLCCaFtqu2eNuSeNHbk=
+golang.org/x/text v0.34.0/go.mod h1:homfLqTYRFyVYemLBFl5GgL/DWEiH5wcsQ5gSh1yziA=
+golang.org/x/tools v0.41.0 h1:a9b8iMweWG+S0OBnlU36rzLp20z1Rp10w+IY2czHTQc=
+golang.org/x/tools v0.41.0/go.mod h1:XSY6eDqxVNiYgezAVqqCeihT4j1U2CCsqvH3WhQpnlg=
 modernc.org/cc/v4 v4.27.1 h1:9W30zRlYrefrDV2JE2O8VDtJ1yPGownxciz5rrbQZis=
 modernc.org/cc/v4 v4.27.1/go.mod h1:uVtb5OGqUKpoLWhqwNQo/8LwvoiEBLvZXIQ/SmO6mL0=
 modernc.org/ccgo/v4 v4.30.1 h1:4r4U1J6Fhj98NKfSjnPUN7Ze2c6MnAdL0hWw6+LrJpc=
diff --git a/internal/server/server.go b/internal/server/server.go
index bd76650..d53f359 100644
--- a/internal/server/server.go
+++ b/internal/server/server.go
@@ -17,6 +17,7 @@ import (
 	"git.t-juice.club/torjus/oubliette/internal/detection"
 	"git.t-juice.club/torjus/oubliette/internal/notify"
 	"git.t-juice.club/torjus/oubliette/internal/shell"
+	"git.t-juice.club/torjus/oubliette/internal/shell/banking"
 	"git.t-juice.club/torjus/oubliette/internal/shell/bash"
 	"git.t-juice.club/torjus/oubliette/internal/shell/fridge"
 	"git.t-juice.club/torjus/oubliette/internal/storage"
@@ -42,6 +43,9 @@ func New(cfg config.Config, store storage.Store, logger *slog.Logger) (*Server,
 	if err := registry.Register(fridge.NewFridgeShell(), 1); err != nil {
 		return nil, fmt.Errorf("registering fridge shell: %w", err)
 	}
+	if err := registry.Register(banking.NewBankingShell(), 1); err != nil {
+		return nil, fmt.Errorf("registering banking shell: %w", err)
+	}
 
 	s := &Server{
 		cfg:           cfg,
diff --git a/internal/shell/banking/banking.go b/internal/shell/banking/banking.go
new file mode 100644
index 0000000..8764985
--- /dev/null
+++ b/internal/shell/banking/banking.go
@@ -0,0 +1,74 @@
+package banking
+
+import (
+	"context"
+	"fmt"
+	"io"
+	"math/rand/v2"
+	"time"
+
+	tea "github.com/charmbracelet/bubbletea"
+
+	"git.t-juice.club/torjus/oubliette/internal/shell"
+)
+
+const sessionTimeout = 10 * time.Minute
+
+// BankingShell is an 80s-style green-on-black bank terminal TUI.
+type BankingShell struct{}
+
+// NewBankingShell returns a new BankingShell instance.
+func NewBankingShell() *BankingShell {
+	return &BankingShell{}
+}
+
+func (b *BankingShell) Name() string        { return "banking" }
+func (b *BankingShell) Description() string { return "80s-style banking terminal TUI" }
+
+func (b *BankingShell) Handle(ctx context.Context, sess *shell.SessionContext, rw io.ReadWriteCloser) error {
+	ctx, cancel := context.WithTimeout(ctx, sessionTimeout)
+	defer cancel()
+
+	bankName := configString(sess.ShellConfig, "bank_name", "SECUREBANK")
+	terminalID := configString(sess.ShellConfig, "terminal_id", "")
+	region := configString(sess.ShellConfig, "region", "NORTHEAST")
+
+	if terminalID == "" {
+		terminalID = fmt.Sprintf("SB-%04d", rand.IntN(10000))
+	}
+
+	m := newModel(sess, bankName, terminalID, region)
+	p := tea.NewProgram(m,
+		tea.WithInput(rw),
+		tea.WithOutput(rw),
+		tea.WithAltScreen(),
+	)
+
+	done := make(chan error, 1)
+	go func() {
+		_, err := p.Run()
+		done <- err
+	}()
+
+	select {
+	case err := <-done:
+		return err
+	case <-ctx.Done():
+		p.Quit()
+		<-done
+		return nil
+	}
+}
+
+// configString reads a string from the shell config map with a default.
+func configString(cfg map[string]any, key, defaultVal string) string {
+	if cfg == nil {
+		return defaultVal
+	}
+	if v, ok := cfg[key]; ok {
+		if s, ok := v.(string); ok && s != "" {
+			return s
+		}
+	}
+	return defaultVal
+}
diff --git a/internal/shell/banking/banking_test.go b/internal/shell/banking/banking_test.go
new file mode 100644
index 0000000..1cd90d6
--- /dev/null
+++ b/internal/shell/banking/banking_test.go
@@ -0,0 +1,533 @@
+package banking
+
+import (
+	"context"
+	"strings"
+	"testing"
+	"time"
+
+	tea "github.com/charmbracelet/bubbletea"
+
+	"git.t-juice.club/torjus/oubliette/internal/shell"
+	"git.t-juice.club/torjus/oubliette/internal/storage"
+)
+
+// newTestModel creates a model with a test session context.
+func newTestModel(t *testing.T) (*model, *storage.MemoryStore) {
+	t.Helper()
+	store := storage.NewMemoryStore()
+	sessID, _ := store.CreateSession(context.Background(), "127.0.0.1", "banker", "banking")
+	sess := &shell.SessionContext{
+		SessionID: sessID,
+		Username:  "banker",
+		Store:     store,
+	}
+	m := newModel(sess, "SECUREBANK", "SB-0001", "NORTHEAST")
+	return m, store
+}
+
+// sendKeys sends a string of characters as individual key messages to the model.
+func sendKeys(m *model, s string) {
+	for _, ch := range s {
+		var msg tea.KeyMsg
+		switch ch {
+		case '\r':
+			msg = tea.KeyMsg{Type: tea.KeyEnter}
+		case '\x1b':
+			msg = tea.KeyMsg{Type: tea.KeyEscape}
+		case '\x03':
+			msg = tea.KeyMsg{Type: tea.KeyCtrlC}
+		default:
+			msg = tea.KeyMsg{Type: tea.KeyRunes, Runes: []rune{ch}}
+		}
+		m.Update(msg)
+	}
+}
+
+func TestBankingShellName(t *testing.T) {
+	sh := NewBankingShell()
+	if sh.Name() != "banking" {
+		t.Errorf("Name() = %q, want %q", sh.Name(), "banking")
+	}
+	if sh.Description() == "" {
+		t.Error("Description() should not be empty")
+	}
+}
+
+func TestFormatCurrency(t *testing.T) {
+	tests := []struct {
+		cents int64
+		want  string
+	}{
+		{0, "$0.00"},
+		{100, "$1.00"},
+		{4738291, "$47,382.91"},
+		{18254100, "$182,541.00"},
+		{52387450, "$523,874.50"},
+		{25000000, "$250,000.00"},
+		{-125000, "-$1,250.00"},
+		{99, "$0.99"},
+	}
+	for _, tt := range tests {
+		got := formatCurrency(tt.cents)
+		if got != tt.want {
+			t.Errorf("formatCurrency(%d) = %q, want %q", tt.cents, got, tt.want)
+		}
+	}
+}
+
+func TestNewBankState(t *testing.T) {
+	state := newBankState()
+	if len(state.Accounts) != 4 {
+		t.Errorf("expected 4 accounts, got %d", len(state.Accounts))
+	}
+	for _, acct := range state.Accounts {
+		txns, ok := state.Transactions[acct.Number]
+		if !ok {
+			t.Errorf("no transactions for account %s", acct.Number)
+			continue
+		}
+		if len(txns) == 0 {
+			t.Errorf("account %s has no transactions", acct.Number)
+		}
+	}
+	if len(state.Messages) != 4 {
+		t.Errorf("expected 4 messages, got %d", len(state.Messages))
+	}
+}
+
+func TestLoginScreenRenders(t *testing.T) {
+	m, _ := newTestModel(t)
+
+	view := m.View()
+	if !strings.Contains(view, "SECUREBANK") {
+		t.Error("login should show bank name")
+	}
+	if !strings.Contains(view, "AUTHORIZED ACCESS ONLY") {
+		t.Error("login should show authorization warning")
+	}
+	if !strings.Contains(view, "ACCOUNT NUMBER") {
+		t.Error("login should prompt for account number")
+	}
+}
+
+func TestLoginFlow(t *testing.T) {
+	m, _ := newTestModel(t)
+
+	// Type account number.
+	sendKeys(m, "12345678")
+	view := m.View()
+	if !strings.Contains(view, "12345678") {
+		t.Error("should show typed account number")
+	}
+
+	// Press enter.
+	sendKeys(m, "\r")
+	view = m.View()
+	if !strings.Contains(view, "PIN") {
+		t.Error("should show PIN prompt after entering account number")
+	}
+
+	// Type PIN and enter.
+	sendKeys(m, "1234\r")
+
+	// Should be on menu now.
+	if m.screen != screenMenu {
+		t.Errorf("expected screenMenu, got %d", m.screen)
+	}
+}
+
+func TestMainMenuRenders(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r")
+
+	view := m.View()
+	if !strings.Contains(view, "MAIN MENU") {
+		t.Error("should show MAIN MENU after login")
+	}
+	if !strings.Contains(view, "WIRE TRANSFER") {
+		t.Error("menu should contain WIRE TRANSFER option")
+	}
+	if !strings.Contains(view, "SECURE MESSAGES") {
+		t.Error("menu should contain SECURE MESSAGES option")
+	}
+	if !strings.Contains(view, "ACCOUNT SUMMARY") {
+		t.Error("menu should contain ACCOUNT SUMMARY option")
+	}
+}
+
+func TestAccountSummary(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "1\r")              // account summary
+
+	if m.screen != screenAccountSummary {
+		t.Fatalf("expected screenAccountSummary, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "ACCOUNT SUMMARY") {
+		t.Error("should show ACCOUNT SUMMARY")
+	}
+	if !strings.Contains(view, "CHECKING") {
+		t.Error("should show CHECKING account")
+	}
+	if !strings.Contains(view, "SAVINGS") {
+		t.Error("should show SAVINGS account")
+	}
+	if !strings.Contains(view, "TOTAL") {
+		t.Error("should show TOTAL")
+	}
+
+	// Press any key to return.
+	sendKeys(m, " ")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu, got screen %d", m.screen)
+	}
+}
+
+func TestWireTransferFlow(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "3\r")              // wire transfer
+
+	if m.screen != screenTransfer {
+		t.Fatalf("expected screenTransfer, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "WIRE TRANSFER") {
+		t.Error("should show WIRE TRANSFER header")
+	}
+
+	// Fill all fields.
+	sendKeys(m, "021000021\r")          // routing
+	sendKeys(m, "9876543210\r")         // dest account
+	sendKeys(m, "JOHN DOE\r")           // beneficiary
+	sendKeys(m, "FIRST NATIONAL BANK\r") // bank name
+	sendKeys(m, "50000\r")              // amount
+	sendKeys(m, "INVOICE 12345\r")      // memo
+
+	// Should be on confirm step.
+	view = m.View()
+	if !strings.Contains(view, "TRANSFER SUMMARY") {
+		t.Error("should show TRANSFER SUMMARY for confirmation")
+	}
+	if !strings.Contains(view, "021000021") {
+		t.Error("summary should show routing number")
+	}
+
+	// Confirm.
+	sendKeys(m, "Y\r")
+
+	// Auth code.
+	sendKeys(m, "AUTH99\r")
+
+	view = m.View()
+	if !strings.Contains(view, "TRANSFER QUEUED") {
+		t.Error("should show TRANSFER QUEUED confirmation")
+	}
+
+	// Check wire transfer was stored.
+	if len(m.state.Transfers) != 1 {
+		t.Fatalf("expected 1 transfer, got %d", len(m.state.Transfers))
+	}
+	wt := m.state.Transfers[0]
+	if wt.RoutingNumber != "021000021" {
+		t.Errorf("routing = %q, want %q", wt.RoutingNumber, "021000021")
+	}
+	if wt.DestAccount != "9876543210" {
+		t.Errorf("dest = %q, want %q", wt.DestAccount, "9876543210")
+	}
+	if wt.Beneficiary != "JOHN DOE" {
+		t.Errorf("beneficiary = %q, want %q", wt.Beneficiary, "JOHN DOE")
+	}
+
+	// Press key to return to menu.
+	sendKeys(m, " ")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu after transfer, got screen %d", m.screen)
+	}
+}
+
+func TestWireTransferCancel(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "3\r")              // wire transfer
+	sendKeys(m, "021000021\r")
+	sendKeys(m, "9876543210\r")
+	sendKeys(m, "JOHN DOE\r")
+	sendKeys(m, "FIRST NATIONAL BANK\r")
+	sendKeys(m, "50000\r")
+	sendKeys(m, "INVOICE 12345\r")
+
+	// Cancel at confirm step.
+	sendKeys(m, "N\r")
+
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu after cancel, got screen %d", m.screen)
+	}
+}
+
+func TestTransactionHistory(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "4\r")              // transaction history
+
+	if m.screen != screenHistory {
+		t.Fatalf("expected screenHistory, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "TRANSACTION HISTORY") {
+		t.Error("should show TRANSACTION HISTORY header")
+	}
+
+	// Select first account.
+	sendKeys(m, "1\r")
+	view = m.View()
+	if !strings.Contains(view, "DATE") {
+		t.Error("should show transaction list with DATE column")
+	}
+	if !strings.Contains(view, "PAGE") {
+		t.Error("should show page indicator")
+	}
+
+	// Press B to go back to account list.
+	sendKeys(m, "B")
+	view = m.View()
+	if !strings.Contains(view, "SELECT ACCOUNT") {
+		t.Error("should return to account selection")
+	}
+
+	// Press 0 to return to menu.
+	sendKeys(m, "0\r")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu, got screen %d", m.screen)
+	}
+}
+
+func TestSecureMessages(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "5\r")              // secure messages
+
+	if m.screen != screenMessages {
+		t.Fatalf("expected screenMessages, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "SECURE MESSAGES") {
+		t.Error("should show SECURE MESSAGES header")
+	}
+	if !strings.Contains(view, "SCHEDULED MAINTENANCE") {
+		t.Error("should show first message subject")
+	}
+
+	// View first message.
+	sendKeys(m, "1\r")
+	view = m.View()
+	if !strings.Contains(view, "10.48.2.100") {
+		t.Error("message body should contain breadcrumb IP")
+	}
+
+	// Press key to return to list.
+	sendKeys(m, " ")
+
+	// Return to menu.
+	sendKeys(m, "0\r")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu, got screen %d", m.screen)
+	}
+}
+
+func TestAdminAccessDenied(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "99\r")             // admin
+
+	if m.screen != screenAdmin {
+		t.Fatalf("expected screenAdmin, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "SYSTEM ADMINISTRATION") {
+		t.Error("should show SYSTEM ADMINISTRATION header")
+	}
+
+	// Three failed PIN attempts.
+	sendKeys(m, "secret1\r")
+	view = m.View()
+	if !strings.Contains(view, "INVALID CREDENTIALS") {
+		t.Error("should show INVALID CREDENTIALS after first attempt")
+	}
+
+	sendKeys(m, "secret2\r")
+	sendKeys(m, "secret3\r")
+
+	view = m.View()
+	if !strings.Contains(view, "ACCESS DENIED") {
+		t.Error("should show ACCESS DENIED after 3 attempts")
+	}
+	if !strings.Contains(view, "ABEND S0C4") {
+		t.Error("should show COBOL-style error")
+	}
+
+	// Press key to return to menu.
+	sendKeys(m, " ")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu after lockout, got screen %d", m.screen)
+	}
+}
+
+func TestAdminEscapeReturns(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "99\r")             // admin
+	sendKeys(m, "\x1b")             // ESC to return
+
+	if m.screen != screenMenu {
+		t.Errorf("ESC should return to menu from admin, got screen %d", m.screen)
+	}
+}
+
+func TestChangePin(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "6\r")              // change PIN
+
+	if m.screen != screenChangePin {
+		t.Fatalf("expected screenChangePin, got %d", m.screen)
+	}
+
+	view := m.View()
+	if !strings.Contains(view, "CHANGE PIN") {
+		t.Error("should show CHANGE PIN header")
+	}
+
+	// Old PIN.
+	sendKeys(m, "1234\r")
+	// New PIN.
+	sendKeys(m, "5678\r")
+	// Confirm PIN.
+	sendKeys(m, "5678\r")
+
+	view = m.View()
+	if !strings.Contains(view, "PIN CHANGED SUCCESSFULLY") {
+		t.Error("should show PIN CHANGED SUCCESSFULLY")
+	}
+
+	// Press key to return.
+	sendKeys(m, " ")
+	if m.screen != screenMenu {
+		t.Errorf("should return to menu after PIN change, got screen %d", m.screen)
+	}
+}
+
+func TestLogoutExits(t *testing.T) {
+	m, _ := newTestModel(t)
+	sendKeys(m, "12345678\r1234\r") // login
+	sendKeys(m, "7\r")              // logout
+
+	if !m.quitting {
+		t.Error("should be quitting after logout")
+	}
+}
+
+func TestSessionLogs(t *testing.T) {
+	m, store := newTestModel(t)
+
+	// Send login keys and manually run returned commands.
+	// Type account number.
+	sendKeys(m, "12345678")
+	// Enter to advance to PIN.
+	sendKeys(m, "\r")
+	// Type PIN.
+	sendKeys(m, "1234")
+	// Enter to login — this returns a logAction cmd.
+	_, cmd := m.Update(tea.KeyMsg{Type: tea.KeyEnter})
+	if cmd != nil {
+		// Execute the batch of commands (login log).
+		execCmds(cmd)
+	}
+
+	// Give async store writes a moment.
+	time.Sleep(50 * time.Millisecond)
+
+	if len(store.SessionLogs) == 0 {
+		t.Error("expected session logs to be recorded after login")
+	}
+
+	found := false
+	for _, log := range store.SessionLogs {
+		if strings.Contains(log.Input, "LOGIN") {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Error("expected a LOGIN entry in session logs")
+	}
+
+	// Navigate to account summary — also returns a logAction cmd.
+	sendKeys(m, "1")
+	_, cmd = m.Update(tea.KeyMsg{Type: tea.KeyEnter})
+	if cmd != nil {
+		execCmds(cmd)
+	}
+	time.Sleep(50 * time.Millisecond)
+
+	foundMenu := false
+	for _, log := range store.SessionLogs {
+		if strings.Contains(log.Input, "MENU") {
+			foundMenu = true
+			break
+		}
+	}
+	if !foundMenu {
+		t.Error("expected a MENU entry in session logs for account summary")
+	}
+}
+
+// execCmds recursively executes tea.Cmd functions (including batches).
+func execCmds(cmd tea.Cmd) {
+	if cmd == nil {
+		return
+	}
+	msg := cmd()
+	// tea.BatchMsg is a slice of Cmds returned by tea.Batch.
+	if batch, ok := msg.(tea.BatchMsg); ok {
+		for _, c := range batch {
+			execCmds(c)
+		}
+	}
+}
+
+func TestConfigString(t *testing.T) {
+	cfg := map[string]any{
+		"bank_name": "TESTBANK",
+		"region":    "SOUTHWEST",
+	}
+	if got := configString(cfg, "bank_name", "DEFAULT"); got != "TESTBANK" {
+		t.Errorf("configString() = %q, want %q", got, "TESTBANK")
+	}
+	if got := configString(cfg, "missing", "DEFAULT"); got != "DEFAULT" {
+		t.Errorf("configString() = %q, want %q", got, "DEFAULT")
+	}
+	if got := configString(nil, "bank_name", "DEFAULT"); got != "DEFAULT" {
+		t.Errorf("configString(nil) = %q, want %q", got, "DEFAULT")
+	}
+}
+
+func TestScreenFrame(t *testing.T) {
+	frame := screenFrame("TESTBANK", "TB-0001", "NORTHEAST", "content here")
+	if !strings.Contains(frame, "TESTBANK FEDERAL RESERVE SYSTEM") {
+		t.Error("frame should contain bank name in header")
+	}
+	if !strings.Contains(frame, "TB-0001") {
+		t.Error("frame should contain terminal ID in footer")
+	}
+	if !strings.Contains(frame, "content here") {
+		t.Error("frame should contain the content")
+	}
+}
diff --git a/internal/shell/banking/data.go b/internal/shell/banking/data.go
new file mode 100644
index 0000000..09d8c9a
--- /dev/null
+++ b/internal/shell/banking/data.go
@@ -0,0 +1,258 @@
+package banking
+
+import (
+	"fmt"
+	"time"
+)
+
+// Account types.
+const (
+	AcctChecking    = "CHECKING"
+	AcctSavings     = "SAVINGS"
+	AcctMoneyMarket = "MONEY MARKET"
+	AcctCertDeposit = "CERT OF DEPOSIT"
+)
+
+// Account represents a fake bank account.
+type Account struct {
+	Number  string
+	Type    string
+	Balance int64 // cents
+}
+
+// Transaction represents a fake bank transaction.
+type Transaction struct {
+	Date        string
+	Description string
+	Amount      int64 // cents (negative for debits)
+	Balance     int64 // running balance in cents
+}
+
+// SecureMessage represents a fake internal message.
+type SecureMessage struct {
+	ID     int
+	Date   string
+	From   string
+	Subj   string
+	Body   string
+	Unread bool
+}
+
+// WireTransfer captures data entered during the wire transfer wizard.
+type WireTransfer struct {
+	RoutingNumber string
+	DestAccount   string
+	Beneficiary   string
+	BankName      string
+	Amount        string
+	Memo          string
+	AuthCode      string
+}
+
+// bankState holds all fake data for a session.
+type bankState struct {
+	Accounts     []Account
+	Transactions map[string][]Transaction // keyed by account number
+	Messages     []SecureMessage
+	Transfers    []WireTransfer
+}
+
+func newBankState() *bankState {
+	now := time.Now()
+
+	accounts := []Account{
+		{Number: "****4821", Type: AcctChecking, Balance: 4738291},
+		{Number: "****7203", Type: AcctSavings, Balance: 18254100},
+		{Number: "****9915", Type: AcctMoneyMarket, Balance: 52387450},
+		{Number: "****1102", Type: AcctCertDeposit, Balance: 25000000},
+	}
+
+	transactions := make(map[string][]Transaction)
+	transactions["****4821"] = generateCheckingTxns(now, accounts[0].Balance)
+	transactions["****7203"] = generateSavingsTxns(now, accounts[1].Balance)
+	transactions["****9915"] = generateMoneyMarketTxns(now, accounts[2].Balance)
+	transactions["****1102"] = generateCDTxns(now, accounts[3].Balance)
+
+	messages := []SecureMessage{
+		{
+			ID:     1,
+			Date:   now.Add(-2 * 24 * time.Hour).Format("01/02/2006"),
+			From:   "SYSTEM ADMINISTRATOR",
+			Subj:   "SCHEDULED MAINTENANCE WINDOW",
+			Unread: true,
+			Body: fmt.Sprintf(`FROM: SYSTEM ADMINISTRATOR <sysadmin@internal.securebank.local>
+DATE: %s
+RE: SCHEDULED MAINTENANCE WINDOW
+
+ALL TERMINALS WILL BE OFFLINE FOR MAINTENANCE:
+  DATE: %s
+  TIME: 02:00 - 04:00 EST
+  AFFECTED: ALL REGIONS
+
+DURING THIS WINDOW, THE FOLLOWING SYSTEMS WILL BE UNAVAILABLE:
+  - WIRE TRANSFER PROCESSING (10.48.2.100:8443)
+  - ACCOUNT MANAGEMENT (10.48.2.101:8443)
+  - ACH BATCH PROCESSOR (10.48.2.105:9090)
+
+PLEASE ENSURE ALL PENDING TRANSACTIONS ARE SUBMITTED BEFORE 01:30 EST.
+
+CONTACT: HELPDESK EXT 4400 OR ops-support@internal.securebank.local`,
+				now.Add(-2*24*time.Hour).Format("01/02/2006 15:04"),
+				now.Add(5*24*time.Hour).Format("01/02/2006")),
+		},
+		{
+			ID:     2,
+			Date:   now.Add(-5 * 24 * time.Hour).Format("01/02/2006"),
+			From:   "COMPLIANCE DEPT",
+			Subj:   "QUARTERLY AUDIT REMINDER",
+			Unread: true,
+			Body: `FROM: COMPLIANCE DEPT <compliance@internal.securebank.local>
+RE: QUARTERLY AUDIT REMINDER
+
+ALL BRANCH MANAGERS:
+
+THE Q4 COMPLIANCE AUDIT IS SCHEDULED FOR NEXT WEEK.
+PLEASE ENSURE THE FOLLOWING ARE CURRENT:
+
+  1. TRANSACTION LOGS EXPORTED TO \\FILESERV01\AUDIT\Q4
+  2. VAULT ACCESS CODES ROTATED (LAST ROTATION: SEE VAULT-MGMT PORTAL)
+  3. EMPLOYEE ACCESS REVIEWS COMPLETED IN IAM PORTAL (https://iam.internal:8443)
+
+NOTE: DEFAULT CREDENTIALS FOR THE AUDIT PORTAL HAVE BEEN RESET.
+NEW CREDENTIALS DISTRIBUTED VIA SECURE COURIER.
+REFERENCE: AUDIT-2024-Q4-0847
+
+VAULT MASTER CODE HINT: FIRST 4 OF ROUTING + BRANCH ZIP (STANDARD FORMAT)`,
+		},
+		{
+			ID:     3,
+			Date:   now.Add(-8 * 24 * time.Hour).Format("01/02/2006"),
+			From:   "IT SECURITY",
+			Subj:   "PASSWORD POLICY UPDATE",
+			Unread: false,
+			Body: `FROM: IT SECURITY <itsec@internal.securebank.local>
+RE: PASSWORD POLICY UPDATE - EFFECTIVE IMMEDIATELY
+
+ALL STAFF:
+
+PER FEDERAL BANKING REGULATION 12 CFR 748, THE FOLLOWING
+PASSWORD POLICY IS NOW IN EFFECT:
+
+  - MINIMUM 12 CHARACTERS
+  - MUST CONTAIN UPPERCASE, LOWERCASE, NUMBER, SPECIAL CHAR
+  - 90-DAY ROTATION CYCLE
+  - NO REUSE OF LAST 24 PASSWORDS
+
+LEGACY SYSTEM ACCOUNTS (MAINFRAME, AS/400) ARE EXEMPT UNTIL
+MIGRATION IS COMPLETE. CURRENT LEGACY ACCESS:
+  MAINFRAME: telnet://10.48.1.50:23 (CICS REGION PROD1)
+  AS/400:    tn5250://10.48.1.55 (SUBSYSTEM QINTER)
+
+SERVICE ACCOUNT PASSWORDS ARE MANAGED VIA CYBERARK:
+  https://pam.internal.securebank.local:8443
+
+TICKET: SEC-2024-1847`,
+		},
+		{
+			ID:     4,
+			Date:   now.Add(-12 * 24 * time.Hour).Format("01/02/2006"),
+			From:   "WIRE OPERATIONS",
+			Subj:   "FEDWIRE CUTOFF TIME CHANGE",
+			Unread: false,
+			Body: `FROM: WIRE OPERATIONS <wireops@internal.securebank.local>
+RE: FEDWIRE CUTOFF TIME CHANGE
+
+EFFECTIVE NEXT MONDAY, FEDWIRE CUTOFF TIMES ARE:
+  DOMESTIC WIRES:       16:30 EST (WAS 17:00)
+  INTERNATIONAL WIRES:  14:00 EST (NO CHANGE)
+  BOOK TRANSFERS:       17:30 EST (NO CHANGE)
+
+WIRES SUBMITTED AFTER CUTOFF WILL BE QUEUED FOR NEXT
+BUSINESS DAY PROCESSING.
+
+FOR EMERGENCY SAME-DAY PROCESSING AFTER CUTOFF:
+  CONTACT WIRE ROOM: EXT 4450
+  AUTH CODE REQUIRED (OBTAIN FROM BRANCH MANAGER)
+  APPROVAL CHAIN: OPS-MGR -> VP-WIRE -> SVP-TREASURY
+
+CORRESPONDENT BANK CONTACTS:
+  JPMORGAN: wire.ops@jpmc.com / 212-555-0147
+  CITI:     fedwire@citi.com / 212-555-0283`,
+		},
+	}
+
+	return &bankState{
+		Accounts:     accounts,
+		Transactions: transactions,
+		Messages:     messages,
+	}
+}
+
+func generateCheckingTxns(now time.Time, endBalance int64) []Transaction {
+	txns := []Transaction{
+		{Description: "ACH DEPOSIT - PAYROLL", Amount: 485000},
+		{Description: "CHECK #1847", Amount: -125000},
+		{Description: "POS DEBIT - WHOLE FOODS #1284", Amount: -18743},
+		{Description: "ATM WITHDRAWAL - MAIN ST BRANCH", Amount: -40000},
+		{Description: "ACH DEBIT - MORTGAGE PMT", Amount: -215000},
+		{Description: "WIRE TRANSFER IN - REF#8847201", Amount: 1250000},
+		{Description: "POS DEBIT - SHELL OIL #4492", Amount: -6821},
+		{Description: "ACH DEPOSIT - PAYROLL", Amount: 485000},
+		{Description: "CHECK #1848", Amount: -75000},
+		{Description: "ONLINE TRANSFER TO SAVINGS", Amount: -100000},
+		{Description: "POS DEBIT - AMAZON.COM", Amount: -14599},
+		{Description: "ACH DEBIT - ELECTRIC COMPANY", Amount: -18742},
+		{Description: "ATM WITHDRAWAL - PARK AVE BRANCH", Amount: -20000},
+		{Description: "WIRE TRANSFER OUT - REF#9014882", Amount: -500000},
+		{Description: "POS DEBIT - COSTCO #0441", Amount: -28734},
+		{Description: "ACH DEPOSIT - TAX REFUND", Amount: 342100},
+	}
+	return populateTransactions(txns, now, endBalance)
+}
+
+func generateSavingsTxns(now time.Time, endBalance int64) []Transaction {
+	txns := []Transaction{
+		{Description: "INTEREST PAYMENT", Amount: 4521},
+		{Description: "ONLINE TRANSFER FROM CHECKING", Amount: 100000},
+		{Description: "INTEREST PAYMENT", Amount: 4633},
+		{Description: "ACH DEPOSIT - DIVIDEND PMT", Amount: 125000},
+		{Description: "ONLINE TRANSFER FROM CHECKING", Amount: 200000},
+		{Description: "INTEREST PAYMENT", Amount: 4748},
+		{Description: "WITHDRAWAL - TRANSFER TO MM", Amount: -500000},
+		{Description: "INTEREST PAYMENT", Amount: 4812},
+	}
+	return populateTransactions(txns, now, endBalance)
+}
+
+func generateMoneyMarketTxns(now time.Time, endBalance int64) []Transaction {
+	txns := []Transaction{
+		{Description: "INTEREST PAYMENT - TIER 3 RATE", Amount: 21847},
+		{Description: "DEPOSIT - TRANSFER FROM SAVINGS", Amount: 500000},
+		{Description: "INTEREST PAYMENT - TIER 3 RATE", Amount: 22105},
+		{Description: "WITHDRAWAL - WIRE TRANSFER", Amount: -1000000},
+		{Description: "DEPOSIT - ACH TRANSFER", Amount: 750000},
+		{Description: "INTEREST PAYMENT - TIER 3 RATE", Amount: 22394},
+	}
+	return populateTransactions(txns, now, endBalance)
+}
+
+func generateCDTxns(now time.Time, endBalance int64) []Transaction {
+	txns := []Transaction{
+		{Description: "CERTIFICATE OPENED - 12MO TERM", Amount: 25000000},
+		{Description: "INTEREST ACCRUAL", Amount: 10417},
+		{Description: "INTEREST ACCRUAL", Amount: 10417},
+		{Description: "INTEREST ACCRUAL", Amount: 10417},
+	}
+	return populateTransactions(txns, now, endBalance)
+}
+
+func populateTransactions(txns []Transaction, now time.Time, endBalance int64) []Transaction {
+	// Work backwards from end balance to assign dates and running balances.
+	bal := endBalance
+	for i := len(txns) - 1; i >= 0; i-- {
+		txns[i].Balance = bal
+		txns[i].Date = now.Add(time.Duration(-(len(txns) - i)) * 3 * 24 * time.Hour).Format("01/02/2006")
+		bal -= txns[i].Amount
+	}
+	return txns
+}
diff --git a/internal/shell/banking/model.go b/internal/shell/banking/model.go
new file mode 100644
index 0000000..c45bb94
--- /dev/null
+++ b/internal/shell/banking/model.go
@@ -0,0 +1,422 @@
+package banking
+
+import (
+	"context"
+	"fmt"
+	"strings"
+	"time"
+
+	tea "github.com/charmbracelet/bubbletea"
+
+	"git.t-juice.club/torjus/oubliette/internal/shell"
+)
+
+type screen int
+
+const (
+	screenLogin screen = iota
+	screenMenu
+	screenAccountSummary
+	screenAccountDetail
+	screenTransfer
+	screenHistory
+	screenMessages
+	screenChangePin
+	screenAdmin
+)
+
+type model struct {
+	sess       *shell.SessionContext
+	bankName   string
+	terminalID string
+	region     string
+	state      *bankState
+	screen     screen
+	quitting   bool
+
+	login      loginModel
+	menu       menuModel
+	summary    accountSummaryModel
+	detail     accountDetailModel
+	transfer   transferModel
+	history    historyModel
+	messages   messagesModel
+	admin      adminModel
+	pinInput   string
+	pinStage   int // 0=old, 1=new, 2=confirm, 3=done
+	pinMessage string
+}
+
+func newModel(sess *shell.SessionContext, bankName, terminalID, region string) *model {
+	state := newBankState()
+	unread := 0
+	for _, msg := range state.Messages {
+		if msg.Unread {
+			unread++
+		}
+	}
+
+	return &model{
+		sess:       sess,
+		bankName:   bankName,
+		terminalID: terminalID,
+		region:     region,
+		state:      state,
+		screen:     screenLogin,
+		login:      newLoginModel(bankName),
+	}
+}
+
+func (m *model) Init() tea.Cmd {
+	return nil
+}
+
+func (m *model) Update(msg tea.Msg) (tea.Model, tea.Cmd) {
+	if m.quitting {
+		return m, tea.Quit
+	}
+
+	if keyMsg, ok := msg.(tea.KeyMsg); ok {
+		if keyMsg.Type == tea.KeyCtrlC {
+			m.quitting = true
+			return m, tea.Quit
+		}
+	}
+
+	switch m.screen {
+	case screenLogin:
+		return m.updateLogin(msg)
+	case screenMenu:
+		return m.updateMenu(msg)
+	case screenAccountSummary:
+		return m.updateAccountSummary(msg)
+	case screenAccountDetail:
+		return m.updateAccountDetail(msg)
+	case screenTransfer:
+		return m.updateTransfer(msg)
+	case screenHistory:
+		return m.updateHistory(msg)
+	case screenMessages:
+		return m.updateMessages(msg)
+	case screenChangePin:
+		return m.updateChangePin(msg)
+	case screenAdmin:
+		return m.updateAdmin(msg)
+	}
+
+	return m, nil
+}
+
+func (m *model) View() string {
+	var content string
+	switch m.screen {
+	case screenLogin:
+		content = m.login.View()
+	case screenMenu:
+		content = m.menu.View()
+	case screenAccountSummary:
+		content = m.summary.View()
+	case screenAccountDetail:
+		content = m.detail.View()
+	case screenTransfer:
+		content = m.transfer.View()
+	case screenHistory:
+		content = m.history.View()
+	case screenMessages:
+		content = m.messages.View()
+	case screenChangePin:
+		content = m.viewChangePin()
+	case screenAdmin:
+		content = m.admin.View()
+	}
+
+	return screenFrame(m.bankName, m.terminalID, m.region, content)
+}
+
+// --- Screen update handlers ---
+
+func (m *model) updateLogin(msg tea.Msg) (tea.Model, tea.Cmd) {
+	var cmd tea.Cmd
+	m.login, cmd = m.login.Update(msg)
+
+	if m.login.stage == 2 {
+		// Login always succeeds — this is a honeypot.
+		logCmd := logAction(m.sess, fmt.Sprintf("LOGIN acct=%s", m.login.accountNum), "ACCESS GRANTED")
+		m.goToMenu()
+		return m, tea.Batch(cmd, logCmd)
+	}
+	return m, cmd
+}
+
+func (m *model) updateMenu(msg tea.Msg) (tea.Model, tea.Cmd) {
+	var cmd tea.Cmd
+	m.menu, cmd = m.menu.Update(msg)
+
+	if keyMsg, ok := msg.(tea.KeyMsg); ok && keyMsg.Type == tea.KeyEnter {
+		choice := strings.TrimSpace(m.menu.choice)
+		switch choice {
+		case "1":
+			m.screen = screenAccountSummary
+			m.summary = newAccountSummaryModel(m.state.Accounts)
+			return m, logAction(m.sess, "MENU 1", "ACCOUNT SUMMARY")
+		case "2":
+			m.screen = screenAccountDetail
+			m.detail = newAccountDetailModel(m.state.Accounts, m.state.Transactions)
+			return m, logAction(m.sess, "MENU 2", "ACCOUNT DETAIL")
+		case "3":
+			m.screen = screenTransfer
+			m.transfer = newTransferModel()
+			return m, logAction(m.sess, "MENU 3", "WIRE TRANSFER")
+		case "4":
+			m.screen = screenHistory
+			m.history = newHistoryModel(m.state.Accounts, m.state.Transactions)
+			return m, logAction(m.sess, "MENU 4", "TRANSACTION HISTORY")
+		case "5":
+			m.screen = screenMessages
+			m.messages = newMessagesModel(m.state.Messages)
+			return m, logAction(m.sess, "MENU 5", "SECURE MESSAGES")
+		case "6":
+			m.screen = screenChangePin
+			m.pinInput = ""
+			m.pinStage = 0
+			m.pinMessage = ""
+			return m, logAction(m.sess, "MENU 6", "CHANGE PIN")
+		case "7":
+			m.quitting = true
+			return m, tea.Batch(logAction(m.sess, "LOGOUT", "SESSION ENDED"), tea.Quit)
+		case "99", "admin", "ADMIN":
+			m.screen = screenAdmin
+			m.admin = newAdminModel()
+			return m, logAction(m.sess, "ADMIN ACCESS ATTEMPT", "ADMIN SCREEN SHOWN")
+		}
+		// Invalid choice, reset.
+		m.menu.choice = ""
+	}
+	return m, cmd
+}
+
+func (m *model) updateAccountSummary(msg tea.Msg) (tea.Model, tea.Cmd) {
+	if _, ok := msg.(tea.KeyMsg); ok {
+		m.goToMenu()
+	}
+	return m, nil
+}
+
+func (m *model) updateAccountDetail(msg tea.Msg) (tea.Model, tea.Cmd) {
+	var cmd tea.Cmd
+	m.detail, cmd = m.detail.Update(msg)
+	if m.detail.choice == "back" {
+		m.goToMenu()
+	}
+	return m, cmd
+}
+
+func (m *model) updateTransfer(msg tea.Msg) (tea.Model, tea.Cmd) {
+	prevStep := m.transfer.step
+	var cmd tea.Cmd
+	m.transfer, cmd = m.transfer.Update(msg)
+
+	// Transfer cancelled.
+	if m.transfer.confirm == "cancelled" {
+		m.goToMenu()
+		return m, logAction(m.sess, "WIRE TRANSFER CANCELLED", "USER CANCELLED")
+	}
+
+	// Transfer completed — log it.
+	if m.transfer.step == transferStepComplete && prevStep != transferStepComplete {
+		t := m.transfer.transfer
+		m.state.Transfers = append(m.state.Transfers, t)
+		logMsg := fmt.Sprintf("WIRE TRANSFER: routing=%s dest=%s beneficiary=%s bank=%s amount=%s memo=%s auth=%s",
+			t.RoutingNumber, t.DestAccount, t.Beneficiary, t.BankName, t.Amount, t.Memo, t.AuthCode)
+		return m, tea.Batch(cmd, logAction(m.sess, logMsg, "TRANSFER QUEUED"))
+	}
+
+	// Completed screen → any key goes back.
+	if m.transfer.step == transferStepComplete {
+		if _, ok := msg.(tea.KeyMsg); ok && prevStep == transferStepComplete {
+			m.goToMenu()
+		}
+	}
+
+	return m, cmd
+}
+
+func (m *model) updateHistory(msg tea.Msg) (tea.Model, tea.Cmd) {
+	var cmd tea.Cmd
+	m.history, cmd = m.history.Update(msg)
+	if m.history.choice == "back" {
+		m.goToMenu()
+	}
+	return m, cmd
+}
+
+func (m *model) updateMessages(msg tea.Msg) (tea.Model, tea.Cmd) {
+	var cmd tea.Cmd
+	m.messages, cmd = m.messages.Update(msg)
+	if m.messages.choice == "back" {
+		m.goToMenu()
+		return m, cmd
+	}
+	// Log when viewing a message.
+	if m.messages.viewing >= 0 {
+		idx := m.messages.viewing
+		return m, tea.Batch(cmd, logAction(m.sess,
+			fmt.Sprintf("VIEW MESSAGE #%d", idx+1),
+			m.state.Messages[idx].Subj))
+	}
+	return m, cmd
+}
+
+func (m *model) updateChangePin(msg tea.Msg) (tea.Model, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	if m.pinStage == 3 {
+		m.goToMenu()
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		switch m.pinStage {
+		case 0:
+			if m.pinInput != "" {
+				m.pinStage = 1
+				m.pinInput = ""
+			}
+		case 1:
+			if len(m.pinInput) >= 4 {
+				m.pinMessage = m.pinInput
+				m.pinStage = 2
+				m.pinInput = ""
+			}
+		case 2:
+			if m.pinInput == m.pinMessage {
+				m.pinStage = 3
+				return m, logAction(m.sess, "CHANGE PIN", "PIN CHANGED SUCCESSFULLY")
+			}
+			m.pinInput = ""
+			m.pinMessage = ""
+			m.pinStage = 1
+		}
+	case tea.KeyEscape:
+		m.goToMenu()
+		return m, nil
+	case tea.KeyBackspace:
+		if len(m.pinInput) > 0 {
+			m.pinInput = m.pinInput[:len(m.pinInput)-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 && len(m.pinInput) < 12 {
+			m.pinInput += ch
+		}
+	}
+	return m, nil
+}
+
+func (m *model) viewChangePin() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("CHANGE PIN"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	if m.pinStage == 3 {
+		b.WriteString(titleStyle.Render("  PIN CHANGED SUCCESSFULLY"))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render("  YOUR NEW PIN IS NOW ACTIVE."))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("  PLEASE USE YOUR NEW PIN FOR ALL FUTURE TRANSACTIONS."))
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render("  PRESS ANY KEY TO RETURN TO MAIN MENU"))
+	} else {
+		prompts := []string{"  CURRENT PIN:  ", "  NEW PIN:      ", "  CONFIRM PIN:  "}
+		for i := 0; i < m.pinStage; i++ {
+			b.WriteString(baseStyle.Render(prompts[i]))
+			b.WriteString(baseStyle.Render(strings.Repeat("*", 4)))
+			b.WriteString("\n")
+		}
+		if m.pinStage < 3 {
+			b.WriteString(titleStyle.Render(prompts[m.pinStage]))
+			masked := strings.Repeat("*", len(m.pinInput))
+			b.WriteString(inputStyle.Render(masked))
+			b.WriteString(inputStyle.Render("_"))
+			b.WriteString("\n")
+		}
+		b.WriteString("\n")
+		if m.pinStage == 1 {
+			b.WriteString(dimStyle.Render("  PIN MUST BE AT LEAST 4 CHARACTERS"))
+			b.WriteString("\n")
+		}
+		b.WriteString("\n")
+		b.WriteString(dimStyle.Render("  PRESS ESC TO RETURN TO MAIN MENU"))
+	}
+	b.WriteString("\n")
+
+	return b.String()
+}
+
+func (m *model) updateAdmin(msg tea.Msg) (tea.Model, tea.Cmd) {
+	prevLocked := m.admin.locked
+	prevAttempts := m.admin.attempts
+
+	// Check for ESC before delegating.
+	if keyMsg, ok := msg.(tea.KeyMsg); ok && keyMsg.Type == tea.KeyEscape && !m.admin.locked {
+		m.goToMenu()
+		return m, nil
+	}
+
+	var cmd tea.Cmd
+	m.admin, cmd = m.admin.Update(msg)
+
+	// Log failed attempts.
+	if m.admin.attempts > prevAttempts {
+		cmd = tea.Batch(cmd, logAction(m.sess,
+			fmt.Sprintf("ADMIN PIN ATTEMPT #%d", m.admin.attempts),
+			"INVALID CREDENTIALS"))
+	}
+
+	// Log lockout.
+	if m.admin.locked && !prevLocked {
+		cmd = tea.Batch(cmd, logAction(m.sess,
+			"ADMIN LOCKOUT",
+			"TERMINAL LOCKED - INCIDENT LOGGED"))
+	}
+
+	// If locked and any key pressed, go back.
+	if m.admin.locked {
+		if _, ok := msg.(tea.KeyMsg); ok && prevLocked {
+			m.goToMenu()
+		}
+	}
+
+	return m, cmd
+}
+
+func (m *model) goToMenu() {
+	unread := 0
+	for _, msg := range m.state.Messages {
+		if msg.Unread {
+			unread++
+		}
+	}
+	m.screen = screenMenu
+	m.menu = newMenuModel(m.bankName, unread)
+}
+
+// logAction returns a tea.Cmd that logs an action to the session store.
+func logAction(sess *shell.SessionContext, input, output string) tea.Cmd {
+	return func() tea.Msg {
+		if sess.Store != nil {
+			ctx, cancel := context.WithTimeout(context.Background(), 2*time.Second)
+			defer cancel()
+			_ = sess.Store.AppendSessionLog(ctx, sess.SessionID, input, output)
+		}
+		return nil
+	}
+}
diff --git a/internal/shell/banking/screen_accounts.go b/internal/shell/banking/screen_accounts.go
new file mode 100644
index 0000000..f78dc19
--- /dev/null
+++ b/internal/shell/banking/screen_accounts.go
@@ -0,0 +1,213 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+// --- Account Summary ---
+
+type accountSummaryModel struct {
+	accounts []Account
+}
+
+func newAccountSummaryModel(accounts []Account) accountSummaryModel {
+	return accountSummaryModel{accounts: accounts}
+}
+
+func (m accountSummaryModel) Update(_ tea.Msg) (accountSummaryModel, tea.Cmd) {
+	// Any key returns to menu.
+	return m, nil
+}
+
+func (m accountSummaryModel) View() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("ACCOUNT SUMMARY"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	// Header.
+	b.WriteString(titleStyle.Render(fmt.Sprintf("  %-12s %-18s %18s", "ACCOUNT", "TYPE", "BALANCE")))
+	b.WriteString("\n")
+	b.WriteString(dimStyle.Render("  " + strings.Repeat("-", 50)))
+	b.WriteString("\n")
+
+	total := int64(0)
+	for _, acct := range m.accounts {
+		total += acct.Balance
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  %-12s %-18s %18s",
+			acct.Number, acct.Type, formatCurrency(acct.Balance))))
+		b.WriteString("\n")
+	}
+
+	b.WriteString(dimStyle.Render("  " + strings.Repeat("-", 50)))
+	b.WriteString("\n")
+	b.WriteString(titleStyle.Render(fmt.Sprintf("  %-12s %-18s %18s", "", "TOTAL", formatCurrency(total))))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(dimStyle.Render("  PRESS ANY KEY TO RETURN TO MAIN MENU"))
+	b.WriteString("\n")
+
+	return b.String()
+}
+
+// --- Account Detail (with transactions) ---
+
+type accountDetailModel struct {
+	accounts     []Account
+	transactions map[string][]Transaction
+	selected     int
+	page         int
+	pageSize     int
+	choosing     bool
+	choice       string
+}
+
+func newAccountDetailModel(accounts []Account, transactions map[string][]Transaction) accountDetailModel {
+	return accountDetailModel{
+		accounts:     accounts,
+		transactions: transactions,
+		choosing:     true,
+		pageSize:     10,
+	}
+}
+
+func (m accountDetailModel) Update(msg tea.Msg) (accountDetailModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	if m.choosing {
+		switch keyMsg.Type {
+		case tea.KeyEnter:
+			for i := range m.accounts {
+				if m.choice == fmt.Sprintf("%d", i+1) {
+					m.selected = i
+					m.choosing = false
+					m.page = 0
+					break
+				}
+			}
+			if m.choice == "0" {
+				m.choice = "back"
+			}
+			return m, nil
+		case tea.KeyBackspace:
+			if len(m.choice) > 0 {
+				m.choice = m.choice[:len(m.choice)-1]
+			}
+		default:
+			ch := keyMsg.String()
+			if len(ch) == 1 && ch[0] >= '0' && ch[0] <= '9' {
+				m.choice += ch
+			}
+		}
+	} else {
+		switch keyMsg.String() {
+		case "n", "N":
+			acctNum := m.accounts[m.selected].Number
+			txns := m.transactions[acctNum]
+			maxPage := (len(txns) - 1) / m.pageSize
+			if m.page < maxPage {
+				m.page++
+			}
+		case "p", "P":
+			if m.page > 0 {
+				m.page--
+			}
+		case "b", "B":
+			m.choosing = true
+			m.choice = ""
+		default:
+			m.choice = "back"
+		}
+	}
+	return m, nil
+}
+
+func (m accountDetailModel) View() string {
+	if m.choosing {
+		return m.viewChooseAccount()
+	}
+	return m.viewDetail()
+}
+
+func (m accountDetailModel) viewChooseAccount() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("ACCOUNT DETAIL"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  SELECT ACCOUNT:"))
+	b.WriteString("\n\n")
+
+	for i, acct := range m.accounts {
+		b.WriteString(baseStyle.Render(fmt.Sprintf("    [%d]  %s - %s  %s",
+			i+1, acct.Number, acct.Type, formatCurrency(acct.Balance))))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	b.WriteString(baseStyle.Render("    [0]  RETURN TO MAIN MENU"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  ENTER SELECTION: "))
+	b.WriteString(inputStyle.Render(m.choice))
+	b.WriteString(inputStyle.Render("_"))
+	b.WriteString("\n")
+
+	return b.String()
+}
+
+func (m accountDetailModel) viewDetail() string {
+	var b strings.Builder
+
+	acct := m.accounts[m.selected]
+	txns := m.transactions[acct.Number]
+
+	b.WriteString("\n")
+	b.WriteString(centerText(fmt.Sprintf("ACCOUNT DETAIL - %s", acct.Number)))
+	b.WriteString("\n\n")
+
+	b.WriteString(baseStyle.Render(fmt.Sprintf("  TYPE:    %s", acct.Type)))
+	b.WriteString("\n")
+	b.WriteString(baseStyle.Render(fmt.Sprintf("  BALANCE: %s", formatCurrency(acct.Balance))))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	// Header.
+	b.WriteString(titleStyle.Render(fmt.Sprintf("  %-12s %-34s %12s %12s", "DATE", "DESCRIPTION", "AMOUNT", "BALANCE")))
+	b.WriteString("\n")
+	b.WriteString(dimStyle.Render("  " + strings.Repeat("-", 72)))
+	b.WriteString("\n")
+
+	// Paginate.
+	start := m.page * m.pageSize
+	end := min(start+m.pageSize, len(txns))
+
+	for _, txn := range txns[start:end] {
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  %-12s %-34s %12s %12s",
+			txn.Date, txn.Description, formatCurrency(txn.Amount), formatCurrency(txn.Balance))))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	totalPages := (len(txns) + m.pageSize - 1) / m.pageSize
+	b.WriteString(dimStyle.Render(fmt.Sprintf("  PAGE %d OF %d", m.page+1, totalPages)))
+	b.WriteString("\n\n")
+	b.WriteString(dimStyle.Render("  [N]EXT PAGE  [P]REV PAGE  [B]ACK  ANY OTHER KEY = MAIN MENU"))
+	b.WriteString("\n")
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_admin.go b/internal/shell/banking/screen_admin.go
new file mode 100644
index 0000000..a690bde
--- /dev/null
+++ b/internal/shell/banking/screen_admin.go
@@ -0,0 +1,111 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+type adminModel struct {
+	pin      string
+	attempts int
+	locked   bool
+}
+
+func newAdminModel() adminModel {
+	return adminModel{}
+}
+
+func (m adminModel) Update(msg tea.Msg) (adminModel, tea.Cmd) {
+	if m.locked {
+		return m, nil
+	}
+
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		if m.pin != "" {
+			m.attempts++
+			if m.attempts >= 3 {
+				m.locked = true
+			}
+			m.pin = ""
+		}
+	case tea.KeyBackspace:
+		if len(m.pin) > 0 {
+			m.pin = m.pin[:len(m.pin)-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 && len(m.pin) < 20 {
+			m.pin += ch
+		}
+	}
+	return m, nil
+}
+
+func (m adminModel) View() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("SYSTEM ADMINISTRATION"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	if m.locked {
+		b.WriteString(errorStyle.Render("  *** ACCESS DENIED ***"))
+		b.WriteString("\n\n")
+		b.WriteString(errorStyle.Render("  MAXIMUM AUTHENTICATION ATTEMPTS EXCEEDED"))
+		b.WriteString("\n")
+		b.WriteString(errorStyle.Render("  TERMINAL LOCKED - INCIDENT LOGGED"))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render("  SECURITY ALERT HAS BEEN DISPATCHED TO:"))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("    - INFORMATION SECURITY DEPT"))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("    - BRANCH SECURITY OFFICER"))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("    - FEDERAL RESERVE OVERSIGHT"))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  INCIDENT REF: SEC-%d-ADMIN-BRUTE", 20240000+m.attempts)))
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render("  IEF4271I UNAUTHORIZED ACCESS ATTEMPT - ABEND S0C4"))
+		b.WriteString("\n")
+		b.WriteString(dimStyle.Render("  IEF4272I JOB SECADMIN  STEP0001 - COND CODE 4088"))
+		b.WriteString("\n\n")
+		b.WriteString(thinDivider())
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render("  PRESS ANY KEY TO RETURN TO MAIN MENU"))
+		b.WriteString("\n")
+	} else {
+		b.WriteString(titleStyle.Render("  RESTRICTED ACCESS - ADMINISTRATOR ONLY"))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render("  THIS FUNCTION REQUIRES LEVEL 5 SECURITY CLEARANCE."))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("  ALL ACCESS ATTEMPTS ARE LOGGED AND AUDITED."))
+		b.WriteString("\n\n")
+
+		if m.attempts > 0 {
+			b.WriteString(errorStyle.Render(fmt.Sprintf("  INVALID CREDENTIALS (%d OF 3 ATTEMPTS)", m.attempts)))
+			b.WriteString("\n\n")
+		}
+
+		b.WriteString(titleStyle.Render("  ADMIN PIN: "))
+		masked := strings.Repeat("*", len(m.pin))
+		b.WriteString(inputStyle.Render(masked))
+		b.WriteString(inputStyle.Render("_"))
+		b.WriteString("\n\n")
+		b.WriteString(thinDivider())
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render("  PRESS ESC TO RETURN TO MAIN MENU"))
+		b.WriteString("\n")
+	}
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_history.go b/internal/shell/banking/screen_history.go
new file mode 100644
index 0000000..38d878c
--- /dev/null
+++ b/internal/shell/banking/screen_history.go
@@ -0,0 +1,152 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+type historyModel struct {
+	accounts     []Account
+	transactions map[string][]Transaction
+	selected     int
+	page         int
+	pageSize     int
+	choosing     bool
+	choice       string
+}
+
+func newHistoryModel(accounts []Account, transactions map[string][]Transaction) historyModel {
+	return historyModel{
+		accounts:     accounts,
+		transactions: transactions,
+		choosing:     true,
+		pageSize:     12,
+	}
+}
+
+func (m historyModel) Update(msg tea.Msg) (historyModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	if m.choosing {
+		switch keyMsg.Type {
+		case tea.KeyEnter:
+			for i := range m.accounts {
+				if m.choice == fmt.Sprintf("%d", i+1) {
+					m.selected = i
+					m.choosing = false
+					m.page = 0
+					break
+				}
+			}
+			if m.choice == "0" {
+				m.choice = "back"
+			}
+			return m, nil
+		case tea.KeyBackspace:
+			if len(m.choice) > 0 {
+				m.choice = m.choice[:len(m.choice)-1]
+			}
+		default:
+			ch := keyMsg.String()
+			if len(ch) == 1 && ch[0] >= '0' && ch[0] <= '9' {
+				m.choice += ch
+			}
+		}
+	} else {
+		switch keyMsg.String() {
+		case "n", "N":
+			acctNum := m.accounts[m.selected].Number
+			txns := m.transactions[acctNum]
+			maxPage := (len(txns) - 1) / m.pageSize
+			if m.page < maxPage {
+				m.page++
+			}
+		case "p", "P":
+			if m.page > 0 {
+				m.page--
+			}
+		case "b", "B":
+			m.choosing = true
+			m.choice = ""
+		default:
+			m.choice = "back"
+		}
+	}
+	return m, nil
+}
+
+func (m historyModel) View() string {
+	if m.choosing {
+		return m.viewChooseAccount()
+	}
+	return m.viewHistory()
+}
+
+func (m historyModel) viewChooseAccount() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("TRANSACTION HISTORY"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  SELECT ACCOUNT:"))
+	b.WriteString("\n\n")
+
+	for i, acct := range m.accounts {
+		b.WriteString(baseStyle.Render(fmt.Sprintf("    [%d]  %s - %s",
+			i+1, acct.Number, acct.Type)))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	b.WriteString(baseStyle.Render("    [0]  RETURN TO MAIN MENU"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  ENTER SELECTION: "))
+	b.WriteString(inputStyle.Render(m.choice))
+	b.WriteString(inputStyle.Render("_"))
+	b.WriteString("\n")
+
+	return b.String()
+}
+
+func (m historyModel) viewHistory() string {
+	var b strings.Builder
+
+	acct := m.accounts[m.selected]
+	txns := m.transactions[acct.Number]
+
+	b.WriteString("\n")
+	b.WriteString(centerText(fmt.Sprintf("TRANSACTION HISTORY - %s (%s)", acct.Number, acct.Type)))
+	b.WriteString("\n\n")
+
+	b.WriteString(titleStyle.Render(fmt.Sprintf("  %-12s %-40s %14s", "DATE", "DESCRIPTION", "AMOUNT")))
+	b.WriteString("\n")
+	b.WriteString(dimStyle.Render("  " + strings.Repeat("-", 68)))
+	b.WriteString("\n")
+
+	start := m.page * m.pageSize
+	end := min(start+m.pageSize, len(txns))
+
+	for _, txn := range txns[start:end] {
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  %-12s %-40s %14s",
+			txn.Date, txn.Description, formatCurrency(txn.Amount))))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	totalPages := (len(txns) + m.pageSize - 1) / m.pageSize
+	b.WriteString(dimStyle.Render(fmt.Sprintf("  PAGE %d OF %d", m.page+1, totalPages)))
+	b.WriteString("\n\n")
+	b.WriteString(dimStyle.Render("  [N]EXT PAGE  [P]REV PAGE  [B]ACK  ANY OTHER KEY = MAIN MENU"))
+	b.WriteString("\n")
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_login.go b/internal/shell/banking/screen_login.go
new file mode 100644
index 0000000..f8aca1b
--- /dev/null
+++ b/internal/shell/banking/screen_login.go
@@ -0,0 +1,103 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+type loginModel struct {
+	accountNum string
+	pin        string
+	stage      int // 0 = account, 1 = pin, 2 = authenticating
+	bankName   string
+}
+
+func newLoginModel(bankName string) loginModel {
+	return loginModel{bankName: bankName}
+}
+
+func (m loginModel) Update(msg tea.Msg) (loginModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		if m.stage == 0 && m.accountNum != "" {
+			m.stage = 1
+			return m, nil
+		}
+		if m.stage == 1 && m.pin != "" {
+			m.stage = 2
+			return m, nil
+		}
+	case tea.KeyBackspace:
+		if m.stage == 0 && len(m.accountNum) > 0 {
+			m.accountNum = m.accountNum[:len(m.accountNum)-1]
+		} else if m.stage == 1 && len(m.pin) > 0 {
+			m.pin = m.pin[:len(m.pin)-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 {
+			if m.stage == 0 && len(m.accountNum) < 20 {
+				m.accountNum += ch
+			} else if m.stage == 1 && len(m.pin) < 12 {
+				m.pin += ch
+			}
+		}
+	}
+	return m, nil
+}
+
+func (m loginModel) View() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText(m.bankName + " ONLINE BANKING"))
+	b.WriteString("\n")
+	b.WriteString(centerText("AUTHORIZED ACCESS ONLY"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	b.WriteString(titleStyle.Render("  ACCOUNT NUMBER: "))
+	if m.stage == 0 {
+		b.WriteString(inputStyle.Render(m.accountNum))
+		b.WriteString(inputStyle.Render("_"))
+	} else {
+		b.WriteString(baseStyle.Render(m.accountNum))
+	}
+	b.WriteString("\n\n")
+
+	if m.stage >= 1 {
+		b.WriteString(titleStyle.Render("  PIN:            "))
+		masked := strings.Repeat("*", len(m.pin))
+		if m.stage == 1 {
+			b.WriteString(inputStyle.Render(masked))
+			b.WriteString(inputStyle.Render("_"))
+		} else {
+			b.WriteString(baseStyle.Render(masked))
+		}
+		b.WriteString("\n")
+	}
+
+	if m.stage == 2 {
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("  AUTHENTICATING..."))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(dimStyle.Render("  WARNING: UNAUTHORIZED ACCESS TO THIS SYSTEM IS A FEDERAL CRIME"))
+	b.WriteString("\n")
+	b.WriteString(dimStyle.Render(fmt.Sprintf("  UNDER 18 U.S.C. %s 1030. ALL ACTIVITY IS MONITORED AND LOGGED.", "\u00A7")))
+	b.WriteString("\n")
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_menu.go b/internal/shell/banking/screen_menu.go
new file mode 100644
index 0000000..75bc660
--- /dev/null
+++ b/internal/shell/banking/screen_menu.go
@@ -0,0 +1,80 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+type menuModel struct {
+	choice   string
+	unread   int
+	bankName string
+}
+
+func newMenuModel(bankName string, unreadCount int) menuModel {
+	return menuModel{bankName: bankName, unread: unreadCount}
+}
+
+func (m menuModel) Update(msg tea.Msg) (menuModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		return m, nil
+	case tea.KeyBackspace:
+		if len(m.choice) > 0 {
+			m.choice = m.choice[:len(m.choice)-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 {
+			if len(m.choice) < 10 {
+				m.choice += ch
+			}
+		}
+	}
+	return m, nil
+}
+
+func (m menuModel) View() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("MAIN MENU"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	items := []struct {
+		num  string
+		desc string
+	}{
+		{"1", "ACCOUNT SUMMARY"},
+		{"2", "ACCOUNT DETAIL / TRANSACTIONS"},
+		{"3", "WIRE TRANSFER"},
+		{"4", "TRANSACTION HISTORY"},
+		{"5", fmt.Sprintf("SECURE MESSAGES (%d UNREAD)", m.unread)},
+		{"6", "CHANGE PIN"},
+		{"7", "LOGOUT"},
+	}
+
+	for _, item := range items {
+		b.WriteString(baseStyle.Render(fmt.Sprintf("    [%s]  %s", item.num, item.desc)))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  ENTER SELECTION: "))
+	b.WriteString(inputStyle.Render(m.choice))
+	b.WriteString(inputStyle.Render("_"))
+	b.WriteString("\n")
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_messages.go b/internal/shell/banking/screen_messages.go
new file mode 100644
index 0000000..af7ec75
--- /dev/null
+++ b/internal/shell/banking/screen_messages.go
@@ -0,0 +1,122 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+type messagesModel struct {
+	messages []SecureMessage
+	viewing  int // -1 = list, >= 0 = detail
+	choice   string
+}
+
+func newMessagesModel(messages []SecureMessage) messagesModel {
+	return messagesModel{messages: messages, viewing: -1}
+}
+
+func (m messagesModel) Update(msg tea.Msg) (messagesModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	if m.viewing >= 0 {
+		// In detail view, any key goes back to list.
+		m.viewing = -1
+		m.choice = ""
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		if m.choice == "0" {
+			m.choice = "back"
+			return m, nil
+		}
+		for i := range m.messages {
+			if m.choice == fmt.Sprintf("%d", i+1) {
+				m.viewing = i
+				m.messages[i].Unread = false
+				return m, nil
+			}
+		}
+		m.choice = ""
+	case tea.KeyBackspace:
+		if len(m.choice) > 0 {
+			m.choice = m.choice[:len(m.choice)-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= '0' && ch[0] <= '9' && len(m.choice) < 2 {
+			m.choice += ch
+		}
+	}
+	return m, nil
+}
+
+func (m messagesModel) View() string {
+	if m.viewing >= 0 {
+		return m.viewDetail()
+	}
+	return m.viewList()
+}
+
+func (m messagesModel) viewList() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("SECURE MESSAGES"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	b.WriteString(titleStyle.Render(fmt.Sprintf("  %-4s %-3s %-12s %-22s %s", "#", "", "DATE", "FROM", "SUBJECT")))
+	b.WriteString("\n")
+	b.WriteString(dimStyle.Render("  " + strings.Repeat("-", 68)))
+	b.WriteString("\n")
+
+	for i, msg := range m.messages {
+		marker := "   "
+		if msg.Unread {
+			marker = " * "
+		}
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  [%d]%s%-12s %-22s %s",
+			i+1, marker, msg.Date, msg.From, msg.Subj)))
+		b.WriteString("\n")
+	}
+
+	b.WriteString("\n")
+	b.WriteString(baseStyle.Render("  [0]  RETURN TO MAIN MENU"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(titleStyle.Render("  SELECT MESSAGE: "))
+	b.WriteString(inputStyle.Render(m.choice))
+	b.WriteString(inputStyle.Render("_"))
+	b.WriteString("\n")
+
+	return b.String()
+}
+
+func (m messagesModel) viewDetail() string {
+	var b strings.Builder
+
+	msg := m.messages[m.viewing]
+
+	b.WriteString("\n")
+	b.WriteString(centerText(fmt.Sprintf("MESSAGE #%d", m.viewing+1)))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(baseStyle.Render(msg.Body))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+	b.WriteString(dimStyle.Render("  PRESS ANY KEY TO RETURN TO MESSAGE LIST"))
+	b.WriteString("\n")
+
+	return b.String()
+}
diff --git a/internal/shell/banking/screen_transfer.go b/internal/shell/banking/screen_transfer.go
new file mode 100644
index 0000000..7be75c2
--- /dev/null
+++ b/internal/shell/banking/screen_transfer.go
@@ -0,0 +1,194 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	tea "github.com/charmbracelet/bubbletea"
+)
+
+const (
+	transferStepRouting = iota
+	transferStepDest
+	transferStepBeneficiary
+	transferStepBankName
+	transferStepAmount
+	transferStepMemo
+	transferStepConfirm
+	transferStepAuthCode
+	transferStepComplete
+)
+
+var transferPrompts = []string{
+	"  ROUTING NUMBER (ABA):  ",
+	"  DESTINATION ACCOUNT:   ",
+	"  BENEFICIARY NAME:      ",
+	"  RECEIVING BANK NAME:   ",
+	"  AMOUNT (USD):          ",
+	"  MEMO / REFERENCE:      ",
+	"",
+	"  AUTHORIZATION CODE:    ",
+}
+
+type transferModel struct {
+	step     int
+	fields   [8]string // indexed by step
+	transfer WireTransfer
+	confirm  string // y/n input for confirm step
+}
+
+func newTransferModel() transferModel {
+	return transferModel{}
+}
+
+func (m transferModel) Update(msg tea.Msg) (transferModel, tea.Cmd) {
+	keyMsg, ok := msg.(tea.KeyMsg)
+	if !ok {
+		return m, nil
+	}
+
+	if m.step == transferStepComplete {
+		return m, nil
+	}
+
+	if m.step == transferStepConfirm {
+		switch keyMsg.Type {
+		case tea.KeyEnter:
+			switch strings.ToUpper(m.confirm) {
+			case "Y", "YES":
+				m.step = transferStepAuthCode
+			case "N", "NO":
+				m.confirm = "cancelled"
+			}
+			return m, nil
+		case tea.KeyBackspace:
+			if len(m.confirm) > 0 {
+				m.confirm = m.confirm[:len(m.confirm)-1]
+			}
+		default:
+			ch := keyMsg.String()
+			if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 && len(m.confirm) < 3 {
+				m.confirm += ch
+			}
+		}
+		return m, nil
+	}
+
+	switch keyMsg.Type {
+	case tea.KeyEnter:
+		val := strings.TrimSpace(m.fields[m.step])
+		if val == "" {
+			return m, nil
+		}
+		if m.step == transferStepAuthCode {
+			m.transfer.AuthCode = val
+			m.step = transferStepComplete
+			return m, nil
+		}
+		switch m.step {
+		case transferStepRouting:
+			m.transfer.RoutingNumber = val
+		case transferStepDest:
+			m.transfer.DestAccount = val
+		case transferStepBeneficiary:
+			m.transfer.Beneficiary = val
+		case transferStepBankName:
+			m.transfer.BankName = val
+		case transferStepAmount:
+			m.transfer.Amount = val
+		case transferStepMemo:
+			m.transfer.Memo = val
+		}
+		m.step++
+		return m, nil
+	case tea.KeyBackspace:
+		if len(m.fields[m.step]) > 0 {
+			m.fields[m.step] = m.fields[m.step][:len(m.fields[m.step])-1]
+		}
+	default:
+		ch := keyMsg.String()
+		if len(ch) == 1 && ch[0] >= 32 && ch[0] < 127 && len(m.fields[m.step]) < 40 {
+			m.fields[m.step] += ch
+		}
+	}
+	return m, nil
+}
+
+func (m transferModel) View() string {
+	var b strings.Builder
+
+	b.WriteString("\n")
+	b.WriteString(centerText("WIRE TRANSFER"))
+	b.WriteString("\n\n")
+	b.WriteString(thinDivider())
+	b.WriteString("\n\n")
+
+	// Show completed fields.
+	for i := 0; i < m.step && i < len(transferPrompts); i++ {
+		if i == transferStepConfirm {
+			continue
+		}
+		prompt := transferPrompts[i]
+		if prompt == "" {
+			continue
+		}
+		b.WriteString(baseStyle.Render(prompt))
+		b.WriteString(baseStyle.Render(m.fields[i]))
+		b.WriteString("\n")
+	}
+
+	// Current field.
+	switch {
+	case m.step == transferStepConfirm:
+		b.WriteString("\n")
+		b.WriteString(titleStyle.Render("  === TRANSFER SUMMARY ==="))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  ROUTING:     %s", m.transfer.RoutingNumber)))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  ACCOUNT:     %s", m.transfer.DestAccount)))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  BENEFICIARY: %s", m.transfer.Beneficiary)))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  BANK:        %s", m.transfer.BankName)))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  AMOUNT:      $%s", m.transfer.Amount)))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  MEMO:        %s", m.transfer.Memo)))
+		b.WriteString("\n\n")
+		b.WriteString(titleStyle.Render("  CONFIRM TRANSFER? (Y/N): "))
+		b.WriteString(inputStyle.Render(m.confirm))
+		b.WriteString(inputStyle.Render("_"))
+		b.WriteString("\n")
+	case m.step == transferStepComplete:
+		b.WriteString("\n")
+		b.WriteString(thinDivider())
+		b.WriteString("\n\n")
+		b.WriteString(titleStyle.Render("  TRANSFER QUEUED FOR PROCESSING"))
+		b.WriteString("\n\n")
+		b.WriteString(baseStyle.Render(fmt.Sprintf("  CONFIRMATION #: WR-%s-%s",
+			m.transfer.RoutingNumber[:4], "847291")))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("  STATUS: PENDING FEDWIRE SETTLEMENT"))
+		b.WriteString("\n")
+		b.WriteString(baseStyle.Render("  ESTIMATED COMPLETION: NEXT BUSINESS DAY"))
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render("  PRESS ANY KEY TO RETURN TO MAIN MENU"))
+		b.WriteString("\n")
+	case m.step < len(transferPrompts):
+		prompt := transferPrompts[m.step]
+		b.WriteString(titleStyle.Render(prompt))
+		b.WriteString(inputStyle.Render(m.fields[m.step]))
+		b.WriteString(inputStyle.Render("_"))
+		b.WriteString("\n")
+	}
+
+	if m.step < transferStepConfirm {
+		b.WriteString("\n")
+		b.WriteString(thinDivider())
+		b.WriteString("\n\n")
+		b.WriteString(dimStyle.Render(fmt.Sprintf("  STEP %d OF 6", m.step+1)))
+		b.WriteString("\n")
+	}
+
+	return b.String()
+}
diff --git a/internal/shell/banking/style.go b/internal/shell/banking/style.go
new file mode 100644
index 0000000..f516b6b
--- /dev/null
+++ b/internal/shell/banking/style.go
@@ -0,0 +1,128 @@
+package banking
+
+import (
+	"fmt"
+	"strings"
+
+	"github.com/charmbracelet/lipgloss"
+)
+
+const termWidth = 80
+
+// Color palette — green-on-black retro terminal.
+var (
+	colorGreen  = lipgloss.Color("#00FF00")
+	colorDim    = lipgloss.Color("#007700")
+	colorBlack  = lipgloss.Color("#000000")
+	colorBright = lipgloss.Color("#AAFFAA")
+	colorRed    = lipgloss.Color("#FF3333")
+)
+
+// Reusable styles.
+var (
+	baseStyle = lipgloss.NewStyle().
+			Foreground(colorGreen).
+			Background(colorBlack)
+
+	headerStyle = lipgloss.NewStyle().
+			Foreground(colorBright).
+			Background(colorBlack).
+			Bold(true).
+			Width(termWidth).
+			Align(lipgloss.Center)
+
+	titleStyle = lipgloss.NewStyle().
+			Foreground(colorGreen).
+			Background(colorBlack).
+			Bold(true)
+
+	dimStyle = lipgloss.NewStyle().
+			Foreground(colorDim).
+			Background(colorBlack)
+
+	errorStyle = lipgloss.NewStyle().
+			Foreground(colorRed).
+			Background(colorBlack).
+			Bold(true)
+
+	inputStyle = lipgloss.NewStyle().
+			Foreground(colorBright).
+			Background(colorBlack)
+)
+
+// divider returns an 80-column === line.
+func divider() string {
+	return dimStyle.Render(strings.Repeat("=", termWidth))
+}
+
+// thinDivider returns an 80-column --- line.
+func thinDivider() string {
+	return dimStyle.Render(strings.Repeat("-", termWidth))
+}
+
+// centerText centers text within 80 columns.
+func centerText(s string) string {
+	return headerStyle.Render(s)
+}
+
+// padRight pads a string to the given width.
+func padRight(s string, width int) string {
+	if len(s) >= width {
+		return s[:width]
+	}
+	return s + strings.Repeat(" ", width-len(s))
+}
+
+// formatCurrency formats cents as $X,XXX.XX
+func formatCurrency(cents int64) string {
+	negative := cents < 0
+	if negative {
+		cents = -cents
+	}
+	dollars := cents / 100
+	remainder := cents % 100
+
+	// Add thousands separators.
+	ds := fmt.Sprintf("%d", dollars)
+	if len(ds) > 3 {
+		var parts []string
+		for len(ds) > 3 {
+			parts = append([]string{ds[len(ds)-3:]}, parts...)
+			ds = ds[:len(ds)-3]
+		}
+		parts = append([]string{ds}, parts...)
+		ds = strings.Join(parts, ",")
+	}
+
+	if negative {
+		return fmt.Sprintf("-$%s.%02d", ds, remainder)
+	}
+	return fmt.Sprintf("$%s.%02d", ds, remainder)
+}
+
+// screenFrame wraps content in the persistent header and footer.
+func screenFrame(bankName, terminalID, region, content string) string {
+	var b strings.Builder
+
+	// Header.
+	b.WriteString(divider())
+	b.WriteString("\n")
+	b.WriteString(centerText(bankName + " FEDERAL RESERVE SYSTEM"))
+	b.WriteString("\n")
+	b.WriteString(centerText("SECURE BANKING TERMINAL"))
+	b.WriteString("\n")
+	b.WriteString(divider())
+	b.WriteString("\n")
+
+	// Content.
+	b.WriteString(content)
+
+	// Footer.
+	b.WriteString("\n")
+	b.WriteString(divider())
+	b.WriteString("\n")
+	footer := fmt.Sprintf(" TERMINAL: %s | REGION: %s | ENCRYPTED SESSION ACTIVE", terminalID, region)
+	b.WriteString(dimStyle.Render(padRight(footer, termWidth)))
+
+	return b.String()
+}
diff --git a/oubliette.toml.example b/oubliette.toml.example
index 10d3ef1..2112f8c 100644
--- a/oubliette.toml.example
+++ b/oubliette.toml.example
@@ -24,6 +24,11 @@ password = "admin"
 # password = "fridge"
 # shell = "fridge"
 
+# [[auth.static_credentials]]
+# username = "teller"
+# password = "banking"
+# shell = "banking"
+
 [storage]
 db_path = "oubliette.db"
 retention_days = 90
@@ -38,6 +43,12 @@ hostname = "ubuntu-server"
 # banner = "Welcome to Ubuntu 22.04.3 LTS (GNU/Linux 5.15.0-89-generic x86_64)\r\n\r\n"
 # fake_user = ""  # override username in prompt; empty = use authenticated user
 
+# Per-shell configuration (optional).
+# [shell.banking]
+# bank_name = "SECUREBANK"
+# terminal_id = "SB-0001"   # random if not set
+# region = "NORTHEAST"
+
 # [detection]
 # enabled = true
 # threshold = 0.6          # 0.0–1.0, sessions above this trigger notifications