diff --git a/CHANGELOG.md b/CHANGELOG.md
index 6092e2b..b82e6a5 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -4,6 +4,48 @@ Changes are listed newest first, with an independent version for every individua
 T5/T6 script and each native plugin. Current versions are recorded in
 [versions.json](versions.json); see the [version policy](README.md#versioning).
 
+## 2026-10-13
+
+### Bank failure diagnostics — TWS #14
+
+| Component | Version | Affected source |
+| --- | --- | --- |
+| `tws_t5_bank.gsc` | `2.0.2` | `t5/scripts/tws_t5_bank.gsc` |
+| `tws_t6_bank.gsc` | `2.0.2` | `t6/scripts/tws_t6_bank.gsc` |
+| `t5-plugin` | `1.2.0` | `t5/plugins/tws-t5-gsc-utils/src/component/bank.cpp`, `src/utils/bank.cpp`, `src/utils/bank.hpp` |
+| `t6-plugin` | `1.2.0` | `t6/plugins/tws-t6-gsc-utils/src/component/bank.cpp`, `src/utils/bank.cpp`, `src/utils/bank.hpp` |
+
+- Both engines log startup script/loaded TWS plugin versions, effective endpoint,
+  safe server identity, credential format validation and pending journal count.
+  Add diagnostic correlation for every HTTP attempt without changing API IDs;
+  balance requests keep their empty acknowledgment ID contract.
+- Distinguish creation, transport, HTTP, missing diagnostics, JSON/schema,
+  response-ID and application failures, with safe HTTP/curl/timing fields.
+  Native acknowledgment parsing adds fixed failure reasons without changing
+  existing validity rules. Only known bounded response codes reach logs; never
+  log credentials, headers, bodies or native exception contents.
+- Log journal load/write/removal failures and settlement decision, attempts,
+  pending duration, next retry delay and resolution. Suppress identical failures
+  for 30 seconds, report suppression counts, and log reason changes and recovery
+  immediately. Recovered pending duration starts at this map's journal load.
+  Preserve points, durable decisions, retry behavior and player-facing messages.
+- Compatibility: both scripts require matching plugin `1.2.0+` for the additive
+  `bankVersion()` native and parser reason field. No new EC/agent or third-party
+  dependency requirement; existing common/telemetry and migration requirements
+  remain. Upstream pins and native loader `plugin_version()` are unchanged.
+- Deployment: build/install both DLLs and **restart the full server processes**;
+  install matching scripts, restarting the map if copied after process startup.
+  Verify installed DLL/GSC hashes against the release artifacts and startup
+  version logs, particularly Ascension's reported stale GSC artifact. No deployment
+  performed. Windows DLL builds, GSC compilation and live T5/T6 checks remain
+  required; see [bank diagnostics](README.md#bank-diagnostics--tws-14).
+- Validation: 44 portable script fixture groups passed, including actual EC
+  bank service/SQLite integration at checkout `d614707`. Fixtures assert safe
+  startup/outcome logs, missing diagnostics, HTTP 401, timeout, malformed/schema
+  acknowledgments, ID mismatch, storage failures, rate limiting and recovery,
+  alongside existing accounting/replay tests. Native parser/storage/process-restart
+  and registration-adapter checks run with address/undefined-behavior sanitizers.
+
 ## 2026-10-12
 
 ### String bank identities — TWS #15
diff --git a/README.md b/README.md
index ec6c222..6e7d64d 100644
--- a/README.md
+++ b/README.md
@@ -183,7 +183,7 @@ shared by GUID across games and survive map/server restarts. Transfers do not
 change `score_total`; bank-assisted matches still count on existing leaderboards.
 
 Deploy [Electric Cherry #146](https://gitea.thewrightserver.net/josh/electric-cherry/issues/146)
-first, then build/install both native plugins `1.1.0` and **restart the server
+first, then build/install both native plugins `1.2.0` and **restart the server
 processes**. The plugins provide `bankLoad`, `bankStore`, `bankRemove` and
 `bankResponse`. Removing the bank script is necessary to omit these linking
 requirements; disabling it by dvar does not avoid linking.
@@ -226,6 +226,62 @@ are not refunded when a match ends or its process crashes. As with any live
 score, the journal cannot make game memory and the remote database atomic
 across a machine/storage failure.
 
+### Bank diagnostics — TWS #14
+
+Bank scripts `2.0.2` require their matching TWS plugins `1.2.0+`. Startup logs
+report the script version, the loaded plugin's TWS version via `bankVersion()`,
+the effective endpoint, a validated server ID, credential format validation,
+and the loaded journal count. Credential validation checks the local format;
+HTTP 401/403 still identifies a credential rejected by EC. A failed journal load
+logs `pending=unknown` and disables the bank; invalid configuration reports that
+journals were not loaded. Server IDs outside the bounded log-safe token alphabet
+are shown as `invalid`/`unavailable` without changing the configured API identity.
+
+Each HTTP attempt receives a local `correlation=bank-<map milliseconds>-<counter>`
+for console diagnostics, including `.b`. These IDs are scoped to a map/process
+log, never sent to EC, and never replace durable transfer IDs. Balance requests
+still omit the API request ID and require an empty response ID. Transfer logs
+also include their original request ID, linking prepare, journal and settlement.
+
+Outcomes distinguish request creation, transport failure, HTTP rejection,
+missing diagnostics/response, invalid acknowledgment (with a fixed parser reason),
+request-ID mismatch, unexpected state, and valid application rejection. Available
+HTTP status, curl code and cumulative DNS/connect/TLS/total milliseconds are
+included; absent or malformed fields say `unavailable`. Only allowlisted response
+codes reach logs; unfamiliar codes say `unknown`. No token, authorization header,
+raw response/request body, transport exception or private configuration contents
+are logged. Existing point accounting, journal format, API payloads, retry delays
+and player-facing messages are unchanged.
+
+Settlement lines add the durable decision, attempt count, pending seconds, next
+retry delay, cleanup failures and eventual resolution. Pending time begins when
+a new cancel decision is attempted; recovered journals measure from this map's
+load, so downtime is not included. Counters reset on map/process restart. Repeated
+identical failures per action are summarized at most every 30 seconds, with a
+`suppressed` count. Reason/status/code changes and recovery log immediately.
+Native storage logs similarly identify load/write/remove failures and recovery.
+Rate-limited attempts retain their correlation internally; only emitted lines
+appear in the console. No log history or retry metadata is added to the journal.
+
+Build/install both updated DLLs and **restart each full server process**, then
+install the corresponding scripts and restart the map if they were copied after
+startup. `bankVersion()` is a new linking requirement even when the bank is
+disabled by dvar. No EC/agent change or new third-party dependency is required;
+existing bank API, common/telemetry and endpoint-migration requirements still apply.
+Verify deployed DLL and GSC SHA-256 hashes against the built release artifacts,
+and confirm startup reports `script=2.0.2 plugin=1.2.0` before interpreting results.
+An old bank script checksum on Ascension was reported in issue #14; deploying
+only the DLL does not update GSC. No deployment was performed here.
+
+Run `node tools/check_bank.mjs --ec-root /path/to/electric-cherry` and
+`python3 tools/test_plugin_bank.py`. On **both T5 and T6**, compile/link and test
+successful `.b`/deposit/withdrawal, HTTP 401/403, timeout, malformed JSON/schema,
+wrong response ID, unwritable/corrupt journals and settlement recovery after a
+map/process restart. Check first/change/recovery logs, 30-second suppression,
+HTTP timings, unchanged player messages/points and one remote ledger entry per
+transfer. Keep journal files intact during failure tests. Windows DLL/GSC builds,
+installed-artifact verification and these live game checks remain required.
+
 ### Bank identity validation
 
 Bank scripts `2.0.1` use T5's `player getGuid()` and T6's persistent
diff --git a/t5/plugins/README.md b/t5/plugins/README.md
index d02b2e5..989cd51 100644
--- a/t5/plugins/README.md
+++ b/t5/plugins/README.md
@@ -109,3 +109,23 @@ decisions and strict response validation for the new bank script. Build and
 install the DLL, then restart the full process. No upstream pins or external
 dependencies changed. See [bank setup and recovery](../../README.md#player-bank-t5-and-t6).
 Portable checks: `python3 tools/test_plugin_bank.py`.
+
+## Bank diagnostics (TWS 1.2.0)
+
+`bankVersion()` returns the loaded DLL's TWS component version, independently of
+upstream pins and the native loader's unchanged `plugin_version()` value.
+`bankResponse()` now also returns `reason`: `ok` on success, otherwise one of
+`empty_body`, `body_limit`, `invalid_json`, `schema`, `field_limit`, `state`,
+`amount_range`, `ok_state`, `missing_id`, or `zero_transfer`. Invalid responses
+clear all parsed fields. Existing acknowledgment acceptance rules are unchanged.
+The returned `code` on valid responses remains API data; bank scripts allowlist
+it before logging. Callers must never log arbitrary response fields.
+
+Native journal logs name load/write/remove, limit identical failures to one
+per 30 seconds, and log recovery with suppressed counts. Exception text, journal
+contents and credentials are excluded. The new scripts require this DLL even
+when disabled by dvar because `bankVersion()` must link. No new third-party
+dependencies or upstream pin changes are required. Rebuild/install the DLL and
+restart the full server process; see the [diagnostic rollout](../../README.md#bank-diagnostics--tws-14).
+Portable checks: `python3 tools/test_plugin_bank.py` executes the real parser,
+storage and native registration adapter with sanitizers and engine shims.
diff --git a/t5/plugins/tws-t5-gsc-utils/src/component/bank.cpp b/t5/plugins/tws-t5-gsc-utils/src/component/bank.cpp
index 5bfe796..805783a 100644
--- a/t5/plugins/tws-t5-gsc-utils/src/component/bank.cpp
+++ b/t5/plugins/tws-t5-gsc-utils/src/component/bank.cpp
@@ -3,6 +3,8 @@
 #include "gsc.hpp"
 #include "game/scripting/array.hpp"
 #include <utils/bank.hpp>
+#include <array>
+#include <chrono>
 
 namespace bank
 {
@@ -13,11 +15,33 @@ namespace bank
             return {"tws-bank/t5", server, endpoint};
         }
 
-        void storage_error()
+        // Only fixed operation names are printed, never exception text or paths
+        // from private configuration. Per-operation state has bounded memory.
+        void storage_result(size_t operation, bool failed)
         {
-            // Do not echo parse exceptions: their text can contain player data.
-            printf("^1[tws_bank] Outbox operation failed; check tws-bank/t5 files, disk space and permissions. Existing reports retained.\n");
+            struct status
+            {
+                bool failed = false;
+                std::chrono::steady_clock::time_point logged{};
+                unsigned suppressed = 0;
+            };
+            static std::array<status, 3> states;
+            constexpr const char* names[] = {"load", "write", "remove"};
+            auto& state = states[operation];
+            const auto now = std::chrono::steady_clock::now();
+            if (failed && state.failed && now - state.logged < std::chrono::seconds(30))
+            {
+                ++state.suppressed;
+                return;
+            }
+            if (failed || state.failed)
+                printf("[tws_bank] native_storage operation=%s outcome=%s suppressed=%u\n",
+                    names[operation], failed ? "storage_failure" : "recovered", state.suppressed);
+            state.failed = failed;
+            state.logged = now;
+            state.suppressed = 0;
         }
+
     }
 
     class component final : public component_interface
@@ -25,6 +49,7 @@ namespace bank
     public:
         void on_startup([[maybe_unused]] plugin::plugin* plugin) override
         {
+            gsc::function::add("bankversion", []() { return std::string("1.2.0"); });
             gsc::function::add("bankload", [](const std::string& server, const std::string& endpoint) -> scripting::script_value
             {
                 try
@@ -38,25 +63,27 @@ namespace bank
                         entry["body"] = value.body;
                         entries.emplace_back(entry);
                     }
+                    storage_result(0, false);
                     return entries;
                 }
-                catch (...) { storage_error(); return {}; }
+                catch (...) { storage_result(0, true); return {}; }
             });
             gsc::function::add("bankstore", [](const std::string& server, const std::string& endpoint, const std::string& body)
             {
-                try { spool(server, endpoint).store(body); return true; }
-                catch (...) { storage_error(); return false; }
+                try { spool(server, endpoint).store(body); storage_result(1, false); return true; }
+                catch (...) { storage_result(1, true); return false; }
             });
             gsc::function::add("bankremove", [](const std::string& server, const std::string& endpoint, const std::string& id)
             {
-                try { spool(server, endpoint).erase(id); return true; }
-                catch (...) { storage_error(); return false; }
+                try { spool(server, endpoint).erase(id); storage_result(2, false); return true; }
+                catch (...) { storage_result(2, true); return false; }
             });
             gsc::function::add("bankresponse", [](const std::string& response)
             {
                 const auto ack = utils::bank::parse_acknowledgement(response);
                 scripting::array result;
                 result["valid"] = ack.valid;
+                result["reason"] = ack.reason;
                 result["state"] = ack.state;
                 result["code"] = ack.code;
                 result["request_id"] = ack.id;
diff --git a/t5/plugins/tws-t5-gsc-utils/src/utils/bank.cpp b/t5/plugins/tws-t5-gsc-utils/src/utils/bank.cpp
index d823772..5b81194 100644
--- a/t5/plugins/tws-t5-gsc-utils/src/utils/bank.cpp
+++ b/t5/plugins/tws-t5-gsc-utils/src/utils/bank.cpp
@@ -29,30 +29,42 @@ namespace utils::bank
 
     acknowledgement parse_acknowledgement(const std::string& response)
     {
-        acknowledgement result;
-        if (response.empty() || response.size() >= max_body_size) return result;
+        auto invalid = [](const char* reason)
+        {
+            acknowledgement value;
+            value.reason = reason;
+            return value;
+        };
+        if (response.empty()) return invalid("empty_body");
+        if (response.size() >= max_body_size) return invalid("body_limit");
         const auto data = nlohmann::json::parse(response, nullptr, false);
-        if (!data.is_object()) return result;
+        if (data.is_discarded()) return invalid("invalid_json");
+        if (!data.is_object()) return invalid("schema");
         try
         {
-            if (!data.at("ok").is_boolean()) return result;
+            acknowledgement result;
+            if (!data.at("ok").is_boolean()) return invalid("schema");
             result.state = data.at("state").get<std::string>();
             result.code = data.at("code").get<std::string>();
             result.id = data.at("request_id").get<std::string>();
-            if (result.id.size() > 64 || result.code.size() > 64 ||
-                (result.state != "balance" && result.state != "prepared" && result.state != "committed" &&
-                 result.state != "cancelled" && result.state != "rejected")) return {};
+            if (result.id.size() > 64 || result.code.size() > 64)
+                return invalid("field_limit");
+            if (result.state != "balance" && result.state != "prepared" && result.state != "committed" &&
+                result.state != "cancelled" && result.state != "rejected") return invalid("state");
             for (const auto* key : {"amount", "balance"})
-                if (!data.at(key).is_number_integer() || data.at(key) < 0 || data.at(key) > 1000000) return {};
+                if (!data.at(key).is_number_integer() || data.at(key) < 0 || data.at(key) > 1000000)
+                    return invalid("amount_range");
             result.amount = data.at("amount").get<int>();
             result.balance = data.at("balance").get<int>();
-            if (data.at("ok").get<bool>() != (result.state != "rejected") ||
-                (result.state != "balance" && result.id.empty()) ||
-                ((result.state == "prepared" || result.state == "committed") && result.amount == 0)) return {};
+            if (data.at("ok").get<bool>() != (result.state != "rejected")) return invalid("ok_state");
+            if (result.state != "balance" && result.id.empty()) return invalid("missing_id");
+            if ((result.state == "prepared" || result.state == "committed") && result.amount == 0)
+                return invalid("zero_transfer");
             result.valid = true;
+            result.reason = "ok";
+            return result;
         }
-        catch (...) { return {}; }
-        return result;
+        catch (...) { return invalid("schema"); }
     }
 
     outbox::outbox(std::filesystem::path root, std::string server, std::string endpoint)
diff --git a/t5/plugins/tws-t5-gsc-utils/src/utils/bank.hpp b/t5/plugins/tws-t5-gsc-utils/src/utils/bank.hpp
index a12602e..f671f62 100644
--- a/t5/plugins/tws-t5-gsc-utils/src/utils/bank.hpp
+++ b/t5/plugins/tws-t5-gsc-utils/src/utils/bank.hpp
@@ -10,6 +10,8 @@ namespace utils::bank
     {
         bool valid = false;
         std::string state, code, id;
+        // Fixed diagnostic vocabulary; never includes response text.
+        std::string reason = "schema";
         int amount = 0, balance = 0;
     };
     acknowledgement parse_acknowledgement(const std::string& response);
diff --git a/t5/scripts/README.md b/t5/scripts/README.md
index 39f03f8..e33363a 100644
--- a/t5/scripts/README.md
+++ b/t5/scripts/README.md
@@ -34,9 +34,13 @@ break T5's connect handshake. Existing dvar names are unchanged.
 
 ## Player bank
 
+Bank `2.0.2` requires plugin `1.2.0+` for startup version reporting and bounded
+parser diagnostics. Install the DLL and restart the full server process before
+loading these scripts. Follow the [diagnostic rollout and live checks](../../README.md#bank-diagnostics--tws-14).
+
 The optional `tws_t5_bank.gsc` adds `.b`, `.d <amount|all>` and
 `.w <amount|all>` and registers them in help. It requires common and telemetry
-`1.0.0` or newer, the TWS t5 plugin `1.1.0`, Electric Cherry's bank API and
+`1.0.0` or newer, the TWS t5 plugin `1.2.0`, Electric Cherry's bank API and
 a private per-server credential. Follow [bank setup and recovery](../../README.md#player-bank-t5-and-t6),
 including a full process restart for the plugin. Bank `2.0.0+` uses only
 `https://ec.thewrightserver.net/api/bank` and ignores `tws_bank_url`.
diff --git a/t5/scripts/tws_t5_bank.gsc b/t5/scripts/tws_t5_bank.gsc
index 929c020..64b2984 100644
--- a/t5/scripts/tws_t5_bank.gsc
+++ b/t5/scripts/tws_t5_bank.gsc
@@ -10,16 +10,33 @@ init()
     level.bank_url = "https://ec.thewrightserver.net/api/bank";
     level.bank_server = GetDvar("tws_server_id");
     level.bank_token = GetDvar("tws_bank_token");
+    level.bank_logs = [];
+    level.bank_diagnostic_serial = 0;
+    credentials = "valid";
+    if (level.bank_token.size < 40 || getSubStr(level.bank_token, 0, 8) != "ec_bank_")
+        credentials = "invalid";
+    print("[tws_bank] startup script=2.0.2 plugin=" + bankVersion() +
+        " endpoint=" + level.bank_url + " server=" + bank_log_token(level.bank_server) +
+        " credentials=" + credentials);
     // A private per-server cfg supplies this; never embed bank credentials.
     if (level.bank_server == "" || level.bank_token.size < 40 ||
         getSubStr(level.bank_token, 0, 8) != "ec_bank_")
     {
-        print("^1[tws_bank] Disabled: configure tws_server_id and a private tws_bank_token");
+        print("^1[tws_bank] Disabled: configure tws_server_id and a private tws_bank_token; pending=not_loaded");
         return;
     }
     level.bank_queue = bankLoad(level.bank_server, level.bank_url);
     if (!isDefined(level.bank_queue))
+    {
+        print("[tws_bank] startup journal_load=failure pending=unknown bank=disabled");
         return;
+    }
+    print("[tws_bank] startup journal_load=success pending=" + level.bank_queue.size);
+    for (i = 0; i < level.bank_queue.size; i++)
+    {
+        level.bank_queue[i]["since"] = getTime();
+        level.bank_queue[i]["attempts"] = 0;
+    }
     level.bank_read = 0;
     level.bank_write = level.bank_queue.size;
     level.bank_busy = false;
@@ -217,8 +234,9 @@ bank_transfer(entry, args)
     data["capacity"] = capacity;
     data["decision"] = "cancel";
     body = jsonSerialize(data);
+    pending_since = getTime();
     // Persist cancellation BEFORE prepare can reach EC, including lost replies.
-    if (!bankStore(level.bank_server, level.bank_url, body))
+    if (!bank_store(body, id, "cancel"))
     {
         bank_say(entry, "^3Bank storage unavailable. Your points are unchanged.");
         return;
@@ -236,7 +254,7 @@ bank_transfer(entry, args)
             commit_body = jsonSerialize(data);
             // No yield between recording the decision and updating the balance.
             // Do not change score_total: bank funds are not earned match points.
-            if (bankStore(level.bank_server, level.bank_url, commit_body))
+            if (bank_store(commit_body, id, "commit"))
             {
                 if (operation == "deposit")
                     player.score -= transfer;
@@ -263,6 +281,8 @@ bank_transfer(entry, args)
     pending["id"] = id;
     pending["body"] = body;
     pending["decision"] = data["decision"];
+    pending["since"] = pending_since;
+    pending["attempts"] = 0;
     level.bank_queue[level.bank_write] = pending;
     level.bank_write++;
 }
@@ -282,8 +302,118 @@ bank_error(code)
     return "^3Bank rejected the transfer. Your points are unchanged.";
 }
 
+// Only locally generated identities/configured server names pass through here.
+// Never use this to print response fields: those use fixed vocabularies below.
+bank_log_token(value)
+{
+    if (!isDefined(value) || typeof(value) != "string" || value.size == 0 || value.size > 128)
+        return "unavailable";
+    allowed = "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789_.:-";
+    for (i = 0; i < value.size; i++)
+    {
+        found = false;
+        for (j = 0; j < allowed.size; j++)
+            if (value[i] == allowed[j])
+                found = true;
+        if (!found)
+            return "invalid";
+    }
+    return value;
+}
+
+bank_response_code(code)
+{
+    // Unknown values may contain secrets or console controls, even if short.
+    codes = strTok("ok insufficient_balance empty bank_limit points_limit not_in_match pending invalid_request unauthorized forbidden not_found conflict disabled", " ");
+    for (i = 0; i < codes.size; i++)
+        if (isDefined(code) && code == codes[i])
+            return codes[i];
+    return "unknown";
+}
+
+bank_response_reason(reason)
+{
+    reasons = strTok("empty_body body_limit invalid_json schema field_limit state amount_range ok_state missing_id zero_transfer", " ");
+    for (i = 0; i < reasons.size; i++)
+        if (isDefined(reason) && reason == reasons[i])
+            return reasons[i];
+    return "unknown";
+}
+
+bank_diagnostic_number(diagnostics, key)
+{
+    if (!isDefined(diagnostics) || typeof(diagnostics) != "array" || !isDefined(diagnostics[key]))
+        return "unavailable";
+    value = diagnostics[key];
+    if ((typeof(value) != "int" && typeof(value) != "float") || value < 0 || value > 2147483647)
+        return "unavailable";
+    return "" + int(value);
+}
+
+bank_http_details(diagnostics)
+{
+    detail = "";
+    keys = strTok("http_status curl_code dns_ms connect_ms tls_ms total_ms", " ");
+    for (i = 0; i < keys.size; i++)
+        detail += " " + keys[i] + "=" + bank_diagnostic_number(diagnostics, keys[i]);
+    return detail;
+}
+
+// Fixed keys bound memory. Correlation IDs/timings never form the signature.
+// Report first failure, reason/status/code changes, 30s reminders and recovery.
+bank_log(key, signature, detail, failed)
+{
+    now = getTime();
+    previous = level.bank_logs[key];
+    suppressed = 0;
+    recovery = "";
+    if (isDefined(previous))
+    {
+        suppressed = previous["suppressed"];
+        if (failed && previous["signature"] == signature && now >= previous["time"] && now - previous["time"] < 30000)
+        {
+            previous["suppressed"]++;
+            level.bank_logs[key] = previous;
+            return;
+        }
+        if (previous["failed"] && !failed)
+            recovery = " recovery=true";
+    }
+    print("[tws_bank] " + detail + recovery + " suppressed=" + suppressed);
+    current = [];
+    current["signature"] = signature;
+    current["time"] = now;
+    current["failed"] = failed;
+    current["suppressed"] = 0;
+    level.bank_logs[key] = current;
+}
+
+bank_store(body, id, decision)
+{
+    saved = bankStore(level.bank_server, level.bank_url, body);
+    outcome = "success";
+    if (!saved)
+        outcome = "storage_failure";
+    bank_log("write_" + decision, outcome, "journal_write decision=" + decision +
+        " request_id=" + bank_log_token(id) + " outcome=" + outcome, !saved);
+    return saved;
+}
+
+bank_http_outcome(action, id, correlation, reason, code, diagnostics, failed)
+{
+    level.bank_http_signature = reason + ":" + code + ":" +
+        bank_diagnostic_number(diagnostics, "http_status") + ":" + bank_diagnostic_number(diagnostics, "curl_code");
+    level.bank_http_detail = "correlation=" + correlation + " action=" + action +
+        " request_id=" + bank_log_token(id) + " outcome=" + reason + " code=" + code + bank_http_details(diagnostics);
+    // Settlement adds progress and cleanup outcome before logging this attempt.
+    if (action != "commit" && action != "cancel")
+        bank_log(action, level.bank_http_signature, level.bank_http_detail, failed);
+}
+
 bank_http(action, body, id)
 {
+    level.bank_diagnostic_serial++;
+    correlation = "bank-" + getTime() + "-" + level.bank_diagnostic_serial;
     headers = [];
     headers["Content-Type"] = "application/json";
     headers["Authorization"] = "Bearer " + level.bank_token;
@@ -295,15 +425,46 @@ bank_http(action, body, id)
     options["timeout_ms"] = 15000;
     request = http::request(level.bank_url + "/" + action, options);
     if (!isDefined(request))
+    {
+        bank_http_outcome(action, id, correlation, "request_creation", "none", undefined, true);
         return undefined;
+    }
     request waittill("done", response, success, error, diagnostics);
-    if (!isDefined(success) || !success || !isDefined(response) ||
-        !isDefined(diagnostics) || !isDefined(diagnostics["http_status"]) ||
-        diagnostics["http_status"] != 200)
+    reason = "ok";
+    if (!isDefined(success) || !success)
+        reason = "transport_failure";
+    else if (bank_diagnostic_number(diagnostics, "http_status") == "unavailable")
+        reason = "missing_diagnostics";
+    else if (diagnostics["http_status"] != 200)
+        reason = "http_rejection";
+    else if (!isDefined(response))
+        reason = "missing_response";
+    if (reason != "ok")
+    {
+        bank_http_outcome(action, id, correlation, reason, "none", diagnostics, true);
         return undefined;
+    }
     reply = bankResponse(response);
-    if (!reply["valid"] || reply["request_id"] != id)
+    if (!isDefined(reply) || !isDefined(reply["valid"]) || !reply["valid"])
+    {
+        reason = "unknown";
+        if (isDefined(reply))
+            reason = bank_response_reason(reply["reason"]);
+        bank_http_outcome(action, id, correlation, "invalid_ack_" + reason, "none", diagnostics, true);
         return undefined;
+    }
+    if (reply["request_id"] != id)
+    {
+        bank_http_outcome(action, id, correlation, "request_id_mismatch", "none", diagnostics, true);
+        return undefined;
+    }
+    if (reply["state"] == "rejected")
+        reason = "application_rejection";
+    else if ((action == "balance" && reply["state"] != "balance") ||
+        ((action == "deposit" || action == "withdraw") && reply["state"] != "prepared") ||
+        ((action == "commit" || action == "cancel") && !bank_resolved(action, reply["state"])))
+        reason = "unexpected_state";
+    bank_http_outcome(action, id, correlation, reason, bank_response_code(reply["code"]), diagnostics, reason != "ok");
     return reply;
 }
 
@@ -325,12 +486,20 @@ bank_sender()
             continue;
         }
         entry = level.bank_queue[level.bank_read];
+        entry["attempts"]++;
+        level.bank_queue[level.bank_read] = entry;
         reply = bank_http(entry["decision"], entry["body"], entry["id"]);
+        duration = int((getTime() - entry["since"]) / 1000);
+        progress = " decision=" + entry["decision"] + " attempt=" + entry["attempts"] +
+            " pending_seconds=" + duration;
+        outcome = "pending";
         if (isDefined(reply) && bank_resolved(entry["decision"], reply["state"]))
         {
             // Cleanup failures never reapply points; settlement is idempotent.
             if (bankRemove(level.bank_server, level.bank_url, entry["id"]))
             {
+                bank_log("settlement", "resolved", level.bank_http_detail + progress +
+                    " journal_remove=success settlement=resolved next_retry_seconds=0", false);
                 level.bank_queue[level.bank_read] = undefined;
                 level.bank_read++;
                 if (level.bank_read == level.bank_write)
@@ -342,8 +511,10 @@ bank_sender()
                 delay = 1;
                 continue;
             }
+            outcome = "journal_remove_failure";
         }
-        print("^1[tws_bank] Transfer settlement pending; retaining durable decision and retrying");
+        bank_log("settlement", level.bank_http_signature + ":" + outcome, level.bank_http_detail + progress +
+            " settlement=" + outcome + " next_retry_seconds=" + delay, true);
         wait delay;
         delay *= 2;
         if (delay > 30)
diff --git a/t6/plugins/README.md b/t6/plugins/README.md
index af8412a..2a7b631 100644
--- a/t6/plugins/README.md
+++ b/t6/plugins/README.md
@@ -109,3 +109,23 @@ decisions and strict response validation for the new bank script. Build and
 install the DLL, then restart the full process. No upstream pins or external
 dependencies changed. See [bank setup and recovery](../../README.md#player-bank-t5-and-t6).
 Portable checks: `python3 tools/test_plugin_bank.py`.
+
+## Bank diagnostics (TWS 1.2.0)
+
+`bankVersion()` returns the loaded DLL's TWS component version, independently of
+upstream pins and the native loader's unchanged `plugin_version()` value.
+`bankResponse()` now also returns `reason`: `ok` on success, otherwise one of
+`empty_body`, `body_limit`, `invalid_json`, `schema`, `field_limit`, `state`,
+`amount_range`, `ok_state`, `missing_id`, or `zero_transfer`. Invalid responses
+clear all parsed fields. Existing acknowledgment acceptance rules are unchanged.
+The returned `code` on valid responses remains API data; bank scripts allowlist
+it before logging. Callers must never log arbitrary response fields.
+
+Native journal logs name load/write/remove, limit identical failures to one
+per 30 seconds, and log recovery with suppressed counts. Exception text, journal
+contents and credentials are excluded. The new scripts require this DLL even
+when disabled by dvar because `bankVersion()` must link. No new third-party
+dependencies or upstream pin changes are required. Rebuild/install the DLL and
+restart the full server process; see the [diagnostic rollout](../../README.md#bank-diagnostics--tws-14).
+Portable checks: `python3 tools/test_plugin_bank.py` executes the real parser,
+storage and native registration adapter with sanitizers and engine shims.
diff --git a/t6/plugins/tws-t6-gsc-utils/src/component/bank.cpp b/t6/plugins/tws-t6-gsc-utils/src/component/bank.cpp
index a7d29a3..d3a745b 100644
--- a/t6/plugins/tws-t6-gsc-utils/src/component/bank.cpp
+++ b/t6/plugins/tws-t6-gsc-utils/src/component/bank.cpp
@@ -3,6 +3,8 @@
 #include "gsc.hpp"
 #include "game/scripting/array.hpp"
 #include <utils/bank.hpp>
+#include <array>
+#include <chrono>
 
 namespace bank
 {
@@ -13,11 +15,33 @@ namespace bank
             return {"tws-bank/t6", server, endpoint};
         }
 
-        void storage_error()
+        // Only fixed operation names are printed, never exception text or paths
+        // from private configuration. Per-operation state has bounded memory.
+        void storage_result(size_t operation, bool failed)
         {
-            // Do not echo parse exceptions: their text can contain player data.
-            printf("^1[tws_bank] Outbox operation failed; check tws-bank/t6 files, disk space and permissions. Existing reports retained.\n");
+            struct status
+            {
+                bool failed = false;
+                std::chrono::steady_clock::time_point logged{};
+                unsigned suppressed = 0;
+            };
+            static std::array<status, 3> states;
+            constexpr const char* names[] = {"load", "write", "remove"};
+            auto& state = states[operation];
+            const auto now = std::chrono::steady_clock::now();
+            if (failed && state.failed && now - state.logged < std::chrono::seconds(30))
+            {
+                ++state.suppressed;
+                return;
+            }
+            if (failed || state.failed)
+                printf("[tws_bank] native_storage operation=%s outcome=%s suppressed=%u\n",
+                    names[operation], failed ? "storage_failure" : "recovered", state.suppressed);
+            state.failed = failed;
+            state.logged = now;
+            state.suppressed = 0;
         }
+
     }
 
     class component final : public component_interface
@@ -25,6 +49,7 @@ namespace bank
     public:
         void on_startup([[maybe_unused]] plugin::plugin* plugin) override
         {
+            gsc::function::add("bankversion", []() { return std::string("1.2.0"); });
             gsc::function::add("bankload", [](const std::string& server, const std::string& endpoint) -> scripting::script_value
             {
                 try
@@ -38,25 +63,27 @@ namespace bank
                         entry["body"] = value.body;
                         entries.emplace_back(entry);
                     }
+                    storage_result(0, false);
                     return entries;
                 }
-                catch (...) { storage_error(); return {}; }
+                catch (...) { storage_result(0, true); return {}; }
             });
             gsc::function::add("bankstore", [](const std::string& server, const std::string& endpoint, const std::string& body)
             {
-                try { spool(server, endpoint).store(body); return true; }
-                catch (...) { storage_error(); return false; }
+                try { spool(server, endpoint).store(body); storage_result(1, false); return true; }
+                catch (...) { storage_result(1, true); return false; }
             });
             gsc::function::add("bankremove", [](const std::string& server, const std::string& endpoint, const std::string& id)
             {
-                try { spool(server, endpoint).erase(id); return true; }
-                catch (...) { storage_error(); return false; }
+                try { spool(server, endpoint).erase(id); storage_result(2, false); return true; }
+                catch (...) { storage_result(2, true); return false; }
             });
             gsc::function::add("bankresponse", [](const std::string& response)
             {
                 const auto ack = utils::bank::parse_acknowledgement(response);
                 scripting::array result;
                 result["valid"] = ack.valid;
+                result["reason"] = ack.reason;
                 result["state"] = ack.state;
                 result["code"] = ack.code;
                 result["request_id"] = ack.id;
diff --git a/t6/plugins/tws-t6-gsc-utils/src/utils/bank.cpp b/t6/plugins/tws-t6-gsc-utils/src/utils/bank.cpp
index d823772..5b81194 100644
--- a/t6/plugins/tws-t6-gsc-utils/src/utils/bank.cpp
+++ b/t6/plugins/tws-t6-gsc-utils/src/utils/bank.cpp
@@ -29,30 +29,42 @@ namespace utils::bank
 
     acknowledgement parse_acknowledgement(const std::string& response)
     {
-        acknowledgement result;
-        if (response.empty() || response.size() >= max_body_size) return result;
+        auto invalid = [](const char* reason)
+        {
+            acknowledgement value;
+            value.reason = reason;
+            return value;
+        };
+        if (response.empty()) return invalid("empty_body");
+        if (response.size() >= max_body_size) return invalid("body_limit");
         const auto data = nlohmann::json::parse(response, nullptr, false);
-        if (!data.is_object()) return result;
+        if (data.is_discarded()) return invalid("invalid_json");
+        if (!data.is_object()) return invalid("schema");
         try
         {
-            if (!data.at("ok").is_boolean()) return result;
+            acknowledgement result;
+            if (!data.at("ok").is_boolean()) return invalid("schema");
             result.state = data.at("state").get<std::string>();
             result.code = data.at("code").get<std::string>();
             result.id = data.at("request_id").get<std::string>();
-            if (result.id.size() > 64 || result.code.size() > 64 ||
-                (result.state != "balance" && result.state != "prepared" && result.state != "committed" &&
-                 result.state != "cancelled" && result.state != "rejected")) return {};
+            if (result.id.size() > 64 || result.code.size() > 64)
+                return invalid("field_limit");
+            if (result.state != "balance" && result.state != "prepared" && result.state != "committed" &&
+                result.state != "cancelled" && result.state != "rejected") return invalid("state");
             for (const auto* key : {"amount", "balance"})
-                if (!data.at(key).is_number_integer() || data.at(key) < 0 || data.at(key) > 1000000) return {};
+                if (!data.at(key).is_number_integer() || data.at(key) < 0 || data.at(key) > 1000000)
+                    return invalid("amount_range");
             result.amount = data.at("amount").get<int>();
             result.balance = data.at("balance").get<int>();
-            if (data.at("ok").get<bool>() != (result.state != "rejected") ||
-                (result.state != "balance" && result.id.empty()) ||
-                ((result.state == "prepared" || result.state == "committed") && result.amount == 0)) return {};
+            if (data.at("ok").get<bool>() != (result.state != "rejected")) return invalid("ok_state");
+            if (result.state != "balance" && result.id.empty()) return invalid("missing_id");
+            if ((result.state == "prepared" || result.state == "committed") && result.amount == 0)
+                return invalid("zero_transfer");
             result.valid = true;
+            result.reason = "ok";
+            return result;
         }
-        catch (...) { return {}; }
-        return result;
+        catch (...) { return invalid("schema"); }
     }
 
     outbox::outbox(std::filesystem::path root, std::string server, std::string endpoint)
diff --git a/t6/plugins/tws-t6-gsc-utils/src/utils/bank.hpp b/t6/plugins/tws-t6-gsc-utils/src/utils/bank.hpp
index a12602e..f671f62 100644
--- a/t6/plugins/tws-t6-gsc-utils/src/utils/bank.hpp
+++ b/t6/plugins/tws-t6-gsc-utils/src/utils/bank.hpp
@@ -10,6 +10,8 @@ namespace utils::bank
     {
         bool valid = false;
         std::string state, code, id;
+        // Fixed diagnostic vocabulary; never includes response text.
+        std::string reason = "schema";
         int amount = 0, balance = 0;
     };
     acknowledgement parse_acknowledgement(const std::string& response);
diff --git a/t6/scripts/README.md b/t6/scripts/README.md
index d6112f5..a86dc47 100644
--- a/t6/scripts/README.md
+++ b/t6/scripts/README.md
@@ -14,7 +14,7 @@ private server token.
 | `tws_t6_telemetry.gsc` | Async queued game reports (game_start/heartbeat/round_change/game_end) | tws-t6-gsc-utils |
 | `tws_t6_join.gsc` | `.join` chat command lets a spectator newcomer enter mid-match once | Common |
 | `tws_t6_leaderboard.gsc` | Private map high-round record and every tied holder on connection | Common, tws-t6-gsc-utils |
-| `tws_t6_bank.gsc` | Persistent shared GUID bank | Common, telemetry, TWS plugin 1.1.0 |
+| `tws_t6_bank.gsc` | Persistent shared GUID bank | Common, telemetry, TWS plugin 1.2.0 |
 
 ## Install
 
@@ -44,9 +44,13 @@ its plugin dependency during linking. The same rule applies to leaderboard.
 
 ## Player bank
 
+Bank `2.0.2` requires plugin `1.2.0+` for startup version reporting and bounded
+parser diagnostics. Install the DLL and restart the full server process before
+loading these scripts. Follow the [diagnostic rollout and live checks](../../README.md#bank-diagnostics--tws-14).
+
 The optional `tws_t6_bank.gsc` adds `.b`, `.d <amount|all>` and
 `.w <amount|all>` and registers them in help. It requires common and telemetry
-`1.0.0` or newer, the TWS t6 plugin `1.1.0`, Electric Cherry's bank API and
+`1.0.0` or newer, the TWS t6 plugin `1.2.0`, Electric Cherry's bank API and
 a private per-server credential. Follow [bank setup and recovery](../../README.md#player-bank-t5-and-t6),
 including a full process restart for the plugin. Bank `2.0.0+` uses only
 `https://ec.thewrightserver.net/api/bank` and ignores `tws_bank_url`.
diff --git a/t6/scripts/tws_t6_bank.gsc b/t6/scripts/tws_t6_bank.gsc
index e59e065..96fbd77 100644
--- a/t6/scripts/tws_t6_bank.gsc
+++ b/t6/scripts/tws_t6_bank.gsc
@@ -14,16 +14,33 @@ init()
     level.bank_url = "https://ec.thewrightserver.net/api/bank";
     level.bank_server = GetDvar("tws_server_id");
     level.bank_token = GetDvar("tws_bank_token");
+    level.bank_logs = [];
+    level.bank_diagnostic_serial = 0;
+    credentials = "valid";
+    if (level.bank_token.size < 40 || getSubStr(level.bank_token, 0, 8) != "ec_bank_")
+        credentials = "invalid";
+    println("[tws_bank] startup script=2.0.2 plugin=" + bankVersion() +
+        " endpoint=" + level.bank_url + " server=" + bank_log_token(level.bank_server) +
+        " credentials=" + credentials);
     // A private per-server cfg supplies this; never embed bank credentials.
     if (level.bank_server == "" || level.bank_token.size < 40 ||
         getSubStr(level.bank_token, 0, 8) != "ec_bank_")
     {
-        println("^1[tws_bank] Disabled: configure tws_server_id and a private tws_bank_token");
+        println("^1[tws_bank] Disabled: configure tws_server_id and a private tws_bank_token; pending=not_loaded");
         return;
     }
     level.bank_queue = bankLoad(level.bank_server, level.bank_url);
     if (!isDefined(level.bank_queue))
+    {
+        println("[tws_bank] startup journal_load=failure pending=unknown bank=disabled");
         return;
+    }
+    println("[tws_bank] startup journal_load=success pending=" + level.bank_queue.size);
+    for (i = 0; i < level.bank_queue.size; i++)
+    {
+        level.bank_queue[i]["since"] = getTime();
+        level.bank_queue[i]["attempts"] = 0;
+    }
     level.bank_read = 0;
     level.bank_write = level.bank_queue.size;
     level.bank_busy = false;
@@ -222,8 +239,9 @@ bank_transfer(entry, args)
     data["capacity"] = capacity;
     data["decision"] = "cancel";
     body = jsonSerialize(data);
+    pending_since = getTime();
     // Persist cancellation BEFORE prepare can reach EC, including lost replies.
-    if (!bankStore(level.bank_server, level.bank_url, body))
+    if (!bank_store(body, id, "cancel"))
     {
         bank_say(entry, "^3Bank storage unavailable. Your points are unchanged.");
         return;
@@ -241,7 +259,7 @@ bank_transfer(entry, args)
             commit_body = jsonSerialize(data);
             // No yield between recording the decision and updating the balance.
             // Do not change score_total: bank funds are not earned match points.
-            if (bankStore(level.bank_server, level.bank_url, commit_body))
+            if (bank_store(commit_body, id, "commit"))
             {
                 if (operation == "deposit")
                     player.score -= transfer;
@@ -268,6 +286,8 @@ bank_transfer(entry, args)
     pending["id"] = id;
     pending["body"] = body;
     pending["decision"] = data["decision"];
+    pending["since"] = pending_since;
+    pending["attempts"] = 0;
     level.bank_queue[level.bank_write] = pending;
     level.bank_write++;
 }
@@ -287,8 +307,118 @@ bank_error(code)
     return "^3Bank rejected the transfer. Your points are unchanged.";
 }
 
+// Only locally generated identities/configured server names pass through here.
+// Never use this to print response fields: those use fixed vocabularies below.
+bank_log_token(value)
+{
+    if (!isDefined(value) || typeof(value) != "string" || value.size == 0 || value.size > 128)
+        return "unavailable";
+    allowed = "ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789_.:-";
+    for (i = 0; i < value.size; i++)
+    {
+        found = false;
+        for (j = 0; j < allowed.size; j++)
+            if (value[i] == allowed[j])
+                found = true;
+        if (!found)
+            return "invalid";
+    }
+    return value;
+}
+
+bank_response_code(code)
+{
+    // Unknown values may contain secrets or console controls, even if short.
+    codes = strTok("ok insufficient_balance empty bank_limit points_limit not_in_match pending invalid_request unauthorized forbidden not_found conflict disabled", " ");
+    for (i = 0; i < codes.size; i++)
+        if (isDefined(code) && code == codes[i])
+            return codes[i];
+    return "unknown";
+}
+
+bank_response_reason(reason)
+{
+    reasons = strTok("empty_body body_limit invalid_json schema field_limit state amount_range ok_state missing_id zero_transfer", " ");
+    for (i = 0; i < reasons.size; i++)
+        if (isDefined(reason) && reason == reasons[i])
+            return reasons[i];
+    return "unknown";
+}
+
+bank_diagnostic_number(diagnostics, key)
+{
+    if (!isDefined(diagnostics) || typeof(diagnostics) != "array" || !isDefined(diagnostics[key]))
+        return "unavailable";
+    value = diagnostics[key];
+    if ((typeof(value) != "int" && typeof(value) != "float") || value < 0 || value > 2147483647)
+        return "unavailable";
+    return "" + int(value);
+}
+
+bank_http_details(diagnostics)
+{
+    detail = "";
+    keys = strTok("http_status curl_code dns_ms connect_ms tls_ms total_ms", " ");
+    for (i = 0; i < keys.size; i++)
+        detail += " " + keys[i] + "=" + bank_diagnostic_number(diagnostics, keys[i]);
+    return detail;
+}
+
+// Fixed keys bound memory. Correlation IDs/timings never form the signature.
+// Report first failure, reason/status/code changes, 30s reminders and recovery.
+bank_log(key, signature, detail, failed)
+{
+    now = getTime();
+    previous = level.bank_logs[key];
+    suppressed = 0;
+    recovery = "";
+    if (isDefined(previous))
+    {
+        suppressed = previous["suppressed"];
+        if (failed && previous["signature"] == signature && now >= previous["time"] && now - previous["time"] < 30000)
+        {
+            previous["suppressed"]++;
+            level.bank_logs[key] = previous;
+            return;
+        }
+        if (previous["failed"] && !failed)
+            recovery = " recovery=true";
+    }
+    println("[tws_bank] " + detail + recovery + " suppressed=" + suppressed);
+    current = [];
+    current["signature"] = signature;
+    current["time"] = now;
+    current["failed"] = failed;
+    current["suppressed"] = 0;
+    level.bank_logs[key] = current;
+}
+
+bank_store(body, id, decision)
+{
+    saved = bankStore(level.bank_server, level.bank_url, body);
+    outcome = "success";
+    if (!saved)
+        outcome = "storage_failure";
+    bank_log("write_" + decision, outcome, "journal_write decision=" + decision +
+        " request_id=" + bank_log_token(id) + " outcome=" + outcome, !saved);
+    return saved;
+}
+
+bank_http_outcome(action, id, correlation, reason, code, diagnostics, failed)
+{
+    level.bank_http_signature = reason + ":" + code + ":" +
+        bank_diagnostic_number(diagnostics, "http_status") + ":" + bank_diagnostic_number(diagnostics, "curl_code");
+    level.bank_http_detail = "correlation=" + correlation + " action=" + action +
+        " request_id=" + bank_log_token(id) + " outcome=" + reason + " code=" + code + bank_http_details(diagnostics);
+    // Settlement adds progress and cleanup outcome before logging this attempt.
+    if (action != "commit" && action != "cancel")
+        bank_log(action, level.bank_http_signature, level.bank_http_detail, failed);
+}
+
 bank_http(action, body, id)
 {
+    level.bank_diagnostic_serial++;
+    correlation = "bank-" + getTime() + "-" + level.bank_diagnostic_serial;
     headers = [];
     headers["Content-Type"] = "application/json";
     headers["Authorization"] = "Bearer " + level.bank_token;
@@ -300,15 +430,46 @@ bank_http(action, body, id)
     options["timeout_ms"] = 15000;
     request = http::request(level.bank_url + "/" + action, options);
     if (!isDefined(request))
+    {
+        bank_http_outcome(action, id, correlation, "request_creation", "none", undefined, true);
         return undefined;
+    }
     request waittill("done", response, success, error, diagnostics);
-    if (!isDefined(success) || !success || !isDefined(response) ||
-        !isDefined(diagnostics) || !isDefined(diagnostics["http_status"]) ||
-        diagnostics["http_status"] != 200)
+    reason = "ok";
+    if (!isDefined(success) || !success)
+        reason = "transport_failure";
+    else if (bank_diagnostic_number(diagnostics, "http_status") == "unavailable")
+        reason = "missing_diagnostics";
+    else if (diagnostics["http_status"] != 200)
+        reason = "http_rejection";
+    else if (!isDefined(response))
+        reason = "missing_response";
+    if (reason != "ok")
+    {
+        bank_http_outcome(action, id, correlation, reason, "none", diagnostics, true);
         return undefined;
+    }
     reply = bankResponse(response);
-    if (!reply["valid"] || reply["request_id"] != id)
+    if (!isDefined(reply) || !isDefined(reply["valid"]) || !reply["valid"])
+    {
+        reason = "unknown";
+        if (isDefined(reply))
+            reason = bank_response_reason(reply["reason"]);
+        bank_http_outcome(action, id, correlation, "invalid_ack_" + reason, "none", diagnostics, true);
         return undefined;
+    }
+    if (reply["request_id"] != id)
+    {
+        bank_http_outcome(action, id, correlation, "request_id_mismatch", "none", diagnostics, true);
+        return undefined;
+    }
+    if (reply["state"] == "rejected")
+        reason = "application_rejection";
+    else if ((action == "balance" && reply["state"] != "balance") ||
+        ((action == "deposit" || action == "withdraw") && reply["state"] != "prepared") ||
+        ((action == "commit" || action == "cancel") && !bank_resolved(action, reply["state"])))
+        reason = "unexpected_state";
+    bank_http_outcome(action, id, correlation, reason, bank_response_code(reply["code"]), diagnostics, reason != "ok");
     return reply;
 }
 
@@ -330,12 +491,20 @@ bank_sender()
             continue;
         }
         entry = level.bank_queue[level.bank_read];
+        entry["attempts"]++;
+        level.bank_queue[level.bank_read] = entry;
         reply = bank_http(entry["decision"], entry["body"], entry["id"]);
+        duration = int((getTime() - entry["since"]) / 1000);
+        progress = " decision=" + entry["decision"] + " attempt=" + entry["attempts"] +
+            " pending_seconds=" + duration;
+        outcome = "pending";
         if (isDefined(reply) && bank_resolved(entry["decision"], reply["state"]))
         {
             // Cleanup failures never reapply points; settlement is idempotent.
             if (bankRemove(level.bank_server, level.bank_url, entry["id"]))
             {
+                bank_log("settlement", "resolved", level.bank_http_detail + progress +
+                    " journal_remove=success settlement=resolved next_retry_seconds=0", false);
                 level.bank_queue[level.bank_read] = undefined;
                 level.bank_read++;
                 if (level.bank_read == level.bank_write)
@@ -347,8 +516,10 @@ bank_sender()
                 delay = 1;
                 continue;
             }
+            outcome = "journal_remove_failure";
         }
-        println("^1[tws_bank] Transfer settlement pending; retaining durable decision and retrying");
+        bank_log("settlement", level.bank_http_signature + ":" + outcome, level.bank_http_detail + progress +
+            " settlement=" + outcome + " next_retry_seconds=" + delay, true);
         wait delay;
         delay *= 2;
         if (delay > 30)
diff --git a/tools/check_bank.mjs b/tools/check_bank.mjs
index 796bcc0..5f2888a 100644
--- a/tools/check_bank.mjs
+++ b/tools/check_bank.mjs
@@ -72,8 +72,8 @@ function engine(game, options = {}) {
     if (game === 't6') player.guid = identity;
     const entry = { player, active: true };
     const recovered = (options.recovered ?? []).map(report => ({...report}));
-    const saved = recovered.map(report => JSON.parse(report.body)), writes = [], sent = [], messages = [], order = [], loaded = [], dvarsRead = [];
-    let serial = 0;
+    const saved = recovered.map(report => JSON.parse(report.body)), writes = [], sent = [], messages = [], order = [], loaded = [], dvarsRead = [], logs = [];
+    let serial = 0, now = 1000;
     const dvars = { zombiemode: '1', tws_server_id: 'server', tws_bank_token: privateToken, ...options.dvars };
     function assertScope(server, url) {
         assert.equal(server, dvars.tws_server_id);
@@ -84,13 +84,14 @@ function engine(game, options = {}) {
         GetDvar: name => { dvarsRead.push(name); return dvars[name] ?? ''; },
         getSubStr: (value, start, end) => value.substring(start, end), registerHelpCommand: () => {},
         isDefined: v => v !== undefined && v !== null, is_true: v => !!v, isAlive: p => p.alive,
-        int: Math.trunc,
+        int: Math.trunc, getTime: () => now, strTok: (text, delimiter) => text.split(delimiter),
+        bankVersion: () => "1.2.0",
         ...(game === 't5' ? {getGuid: p => { assert.equal(p, player); return identity; }} : {}),
-        gscType: value => typeof value === 'number' ? Number.isInteger(value) ? 'int' : 'float' : typeof value,
+        gscType: value => typeof value === 'number' ? Number.isInteger(value) ? 'int' : 'float' : value && typeof value === 'object' ? 'array' : typeof value,
         jsonSerialize: a => JSON.stringify(Object.fromEntries(Object.entries(a))),
         bank_say: (_entry, message) => messages.push(message),
         telemetryNewMatch: () => `${options.idPrefix ?? 'request'}-${++serial}`,
-        bankLoad: (server, url) => { assertScope(server, url); loaded.push({ server, url }); return recovered; },
+        bankLoad: (server, url) => { assertScope(server, url); loaded.push({ server, url }); return options.loadFailure ? undefined : recovered; },
         bankStore: (server, url, body) => {
             assertScope(server, url);
             const data = JSON.parse(body); assertContract(data.decision, data);
@@ -112,14 +113,14 @@ function engine(game, options = {}) {
             }
             const state = action === 'commit' ? 'committed' : action === 'cancel' ? 'cancelled' : action === 'balance' ? 'balance' : options.state ?? 'prepared';
             const reply = { valid: true, state, request_id: action === 'balance' ? '' : options.wrongId ? 'wrong' : JSON.parse(sent.at(-1).body).request_id, amount: options.amount ?? 2000, balance: options.balance ?? 5000, code: options.code ?? 'ok' };
-            return [JSON.stringify(reply), !options.timeout, '', options.missingDiagnostics ? undefined : { http_status: options.status ?? 200 }];
+            return [options.missingResponse ? undefined : JSON.stringify(reply), !options.timeout, privateToken, options.missingDiagnostics ? undefined : options.diagnostics ?? { http_status: options.status ?? 200, curl_code: options.timeout ? 28 : 0, dns_ms:1, connect_ms:2, tls_ms:3, total_ms:options.timeout ? 15000 : 4 }];
         },
-        bankResponse: data => options.malformed ? { valid: false } : {valid:true, ...JSON.parse(data)},
-        print: () => {}, println: () => {}
+        bankResponse: data => options.malformed ? { valid: false, reason: options.reason ?? "invalid_json" } : {valid:true, ...JSON.parse(data)},
+        print: message => logs.push(message), println: message => logs.push(message)
     });
     vm.runInContext([...functionsByName].filter(([name]) => !excluded.has(name)).map(([, code]) => code).join('\n'), c);
     c.init();
-    return { c, player, entry, saved, writes, sent, messages, order, loaded, dvarsRead, run: args => c.bank_transfer(entry,args) };
+    return { c, player, entry, saved, writes, sent, messages, order, loaded, dvarsRead, logs, advance: ms => { now += ms; }, run: args => c.bank_transfer(entry,args) };
 }
 let checks = 0;
 function journalEntries(engine) {
@@ -185,6 +186,80 @@ for (const game of ['t5','t6']) {
             assert.equal(engine(game, {dvars}).loaded.length, 0);
         }
     });
+    test('startup reports versions, scope, credential validation and journal count safely', () => {
+        const e = engine(game);
+        assert.match(e.logs.join('\n'), /script=2\.0\.2 plugin=1\.2\.0/);
+        assert(e.logs.some(line => line.includes(`endpoint=${publicEndpoint} server=server credentials=valid`)));
+        assert(e.logs.some(line => line.includes('journal_load=success pending=0')));
+        const invalid = engine(game, {dvars:{tws_bank_token:'secret-invalid-token'}});
+        assert(invalid.logs.some(line => line.includes('credentials=invalid')));
+        assert(!invalid.logs.join('').includes('secret-invalid-token'));
+        const load = engine(game, {loadFailure:true});
+        assert.match(load.logs.join('\n'), /journal_load=failure pending=unknown bank=disabled/);
+        assert.equal(load.c.level.bank_write, undefined);
+    });
+    test('requests classify failures and preserve the API identity contract', () => {
+        for (const [options, outcome] of [
+            [{}, 'ok'], [{noHandle:true}, 'request_creation'], [{timeout:true}, 'transport_failure'],
+            [{status:401}, 'http_rejection'], [{missingDiagnostics:true}, 'missing_diagnostics'],
+            [{missingResponse:true}, 'missing_response'], [{malformed:true}, 'invalid_ack_invalid_json'],
+            [{malformed:true,reason:'schema'}, 'invalid_ack_schema'], [{wrongId:true}, 'request_id_mismatch'],
+            [{state:'rejected', code:'pending'}, 'application_rejection'], [{state:'committed'}, 'unexpected_state']
+        ]) {
+            const e = engine(game, options); e.run(['.d','2000']);
+            const line = e.logs.find(line => line.includes('action=deposit'));
+            assert(line, JSON.stringify(options)); assert(line.includes(`outcome=${outcome} `), line);
+            assert.match(line, /correlation=bank-1000-1 action=deposit request_id=request-1/);
+            assert.match(line, /http_status=\w+ curl_code=\w+ dns_ms=\w+ connect_ms=\w+ tls_ms=\w+ total_ms=\w+/);
+        }
+        const e = engine(game); e.run(['.b']); e.run(['.b']);
+        const lines = e.logs.filter(line => line.includes('action=balance'));
+        assert.equal(lines.length, 2);
+        assert.match(lines[0], /correlation=bank-1000-1/); assert.match(lines[1], /correlation=bank-1000-2/);
+        for (const request of e.sent) assert(!Object.hasOwn(JSON.parse(request.body), 'request_id'));
+        assert.equal(e.saved.length, 0);
+    });
+    test('diagnostics exclude secrets, arbitrary codes, bodies and malformed timing fields', () => {
+        for (const diagnostics of [undefined, {}, 'secret', {http_status:200, curl_code:privateToken, dns_ms:-1, connect_ms:{}, tls_ms:1e30, total_ms:'raw-body'}]) {
+            const e = engine(game, {diagnostics, state:'rejected', code:privateToken}); e.run(['.d','2000']);
+            const text = e.logs.join('\n');
+            for (const secret of [privateToken, 'Authorization', 'Bearer ', 'raw-body', '18446744073709551615']) assert(!text.includes(secret));
+        }
+        const e = engine(game, {malformed:true, reason:privateToken}); e.run(['.b']);
+        assert.match(e.logs.at(-1), /invalid_ack_unknown/); assert(!e.logs.join('').includes(privateToken));
+        for (const code of [privateToken, 'oops\ninjected', '^1red', 'x'.repeat(1000), 'custom_code']) {
+            assert.equal(e.c.bank_response_code(code), 'unknown');
+        }
+        for (const diagnostics of [undefined, {}, [], false, 'secret', {http_status:'200'}, {http_status:-1}])
+            assert.equal(e.c.bank_diagnostic_number(diagnostics, 'http_status'), 'unavailable');
+    });
+    test('failures are limited by reason, with summaries, changed status and immediate recovery', () => {
+        const options = {status:401}, e = engine(game, options);
+        e.run(['.b']); e.run(['.b']);
+        assert.equal(e.logs.filter(line => line.includes('action=balance')).length, 1);
+        e.advance(30000); e.run(['.b']); assert.match(e.logs.at(-1), /suppressed=1/);
+        options.status = 503; e.run(['.b']); assert.match(e.logs.at(-1), /http_status=503/);
+        options.status = 200; e.run(['.b']); assert.match(e.logs.at(-1), /outcome=ok.*recovery=true/);
+    });
+    test('settlement reports retry progress, reason changes, storage failures and eventual recovery', () => {
+        const options = {}, e = engine(game, options); e.run(['.d','2000']);
+        options.timeout = true;
+        const sender = e.c.bank_sender();
+        assert.equal(sender.next().value, 1);
+        assert.match(e.logs.at(-1), /decision=commit attempt=1 pending_seconds=0 settlement=pending next_retry_seconds=1/);
+        const count = e.logs.length;
+        e.advance(1000); assert.equal(sender.next().value, 2); assert.equal(e.logs.length, count);
+        options.timeout = false; options.removeFailure = true;
+        e.advance(2000); assert.equal(sender.next().value, 4);
+        assert.match(e.logs.at(-1), /attempt=3 pending_seconds=3 settlement=journal_remove_failure next_retry_seconds=4.*suppressed=1/);
+        options.removeFailure = false; e.advance(4000); sender.next();
+        assert.match(e.logs.at(-1), /attempt=4 pending_seconds=7 journal_remove=success settlement=resolved next_retry_seconds=0 recovery=true/);
+        assert.equal(e.saved.length, 0); assert.equal(e.player.score, 1000);
+        for (const decision of ['cancel','commit']) {
+            const failed = engine(game, {storageFailure:decision}); failed.run(['.d','2000']);
+            assert(failed.logs.some(line => line.includes(`journal_write decision=${decision} request_id=request-1 outcome=storage_failure`)));
+        }
+    });
     test('strict positive integer syntax', () => {
         const {c} = engine(game);
         for (const bad of ['', '0', '-1', '1.5', '+1', '1e3', '1000001', 'all now']) assert.equal(c.bank_amount(bad),0);
diff --git a/tools/test_plugin_bank.py b/tools/test_plugin_bank.py
index ad2f78c..3d010f1 100644
--- a/tools/test_plugin_bank.py
+++ b/tools/test_plugin_bank.py
@@ -43,10 +43,30 @@ with tempfile.TemporaryDirectory(prefix="tws-bank-") as temp:
         # engine interfaces. This does not validate the Windows ABI/VM linker.
         stub = (ROOT / "tools/tests/http_component_stub.hpp").read_text()
         stub = stub.replace("std::vector<script_value> get_keys() const", "void emplace_back(const script_value& value) { (*data)[std::to_string(data->size())] = value; }\n        std::vector<script_value> get_keys() const")
+        stub = stub.replace('template <typename F> void add(const char*, F) {}', r"""
+    inline std::map<std::string, std::function<scripting::script_value(const std::vector<std::string>&)>> functions;
+    template <typename F> void add(const char* name, F callback)
+    {
+        functions[name] = [callback](const std::vector<std::string>& args) -> scripting::script_value
+        {
+            if constexpr (std::is_invocable_v<F>) return callback();
+            else if constexpr (std::is_invocable_v<F, std::string>) return callback(args.at(0));
+            else if constexpr (std::is_invocable_v<F, std::string, std::string>) return callback(args.at(0), args.at(1));
+            else return callback(args.at(0), args.at(1), args.at(2));
+        };
+    }
+""")
         (directory / "component_stub.hpp").write_text(stub)
         component = re.sub(r'^#include[^\n]*\n', '', (plugin / "src/component/bank.cpp").read_text(), flags=re.MULTILINE)
         source = directory / "component.cpp"
-        source.write_text('#include "component_stub.hpp"\n#include "bank.hpp"\n' + component)
-        subprocess.run([os.environ.get("CXX", "c++"), "-std=c++20", "-Wall", "-Wextra", "-Werror", "-fsyntax-only",
-                        "-I", str(directory), "-I", str(plugin / "src/utils"), str(source)], check=True)
+        source.write_text('#include "component_stub.hpp"\n#include "bank.hpp"\n#include <array>\n' + component + (ROOT / 'tools/tests/bank_component_cases.cpp').read_text())
+        subprocess.run([os.environ.get("CXX", "c++"), "-std=c++20", "-Wall", "-Wextra", "-Werror", "-fsanitize=address,undefined",
+                        "-I", str(directory), "-I", str(plugin / "src/utils"), str(source),
+                        str(plugin / "src/utils/bank.cpp"), "-o", str(directory / "component")], check=True)
+        result = subprocess.run([str(directory / "component")], cwd=directory, check=True, capture_output=True, text=True)
+        lines = result.stdout.splitlines()
+        for operation in ("load", "write", "remove"):
+            assert sum(f"operation={operation} outcome=storage_failure" in line for line in lines) == 1, lines
+            assert sum(f"operation={operation} outcome=recovered suppressed=1" in line for line in lines) == 1, lines
+        assert "private-secret" not in result.stdout and "Authorization" not in result.stdout
         print(f"PASS {game}: native storage, acknowledgment, process restart and component checks", flush=True)
diff --git a/tools/tests/bank_cases.cpp b/tools/tests/bank_cases.cpp
index 81945cf..3561c38 100644
--- a/tools/tests/bank_cases.cpp
+++ b/tools/tests/bank_cases.cpp
@@ -104,6 +104,29 @@ int main(int argc, char** argv)
     for (const auto& text : {"", "<html>bad gateway</html>", "{", "null", "{\"ok\":true}"})
         assert(!parse_acknowledgement(text).valid);
     assert(!parse_acknowledgement(std::string(0x5000,' ')+valid.dump()).valid);
+    // Every validation failure exposes a fixed reason and clears response data.
+    const auto invalid = [](const std::string& text, const std::string& reason)
+    {
+        const auto result = parse_acknowledgement(text);
+        assert(!result.valid && result.reason == reason);
+        assert(result.state.empty() && result.code.empty() && result.id.empty());
+    };
+    assert(ack.reason == "ok");
+    invalid("", "empty_body");
+    invalid(std::string(0x5000, 'x'), "body_limit");
+    invalid("secret-token-not-json", "invalid_json");
+    invalid("null", "schema");
+    invalid("{}", "schema");
+    bad = valid; bad["code"] = std::string(65, 'x'); invalid(bad.dump(), "field_limit");
+    bad = valid; bad["state"] = "secret-state"; invalid(bad.dump(), "state");
+    bad = valid; bad["amount"] = -1; invalid(bad.dump(), "amount_range");
+    bad = valid; bad["ok"] = false; invalid(bad.dump(), "ok_state");
+    bad = valid; bad["request_id"] = ""; invalid(bad.dump(), "missing_id");
+    bad = valid; bad["amount"] = 0; invalid(bad.dump(), "zero_transfer");
+    bad = valid; bad["code"] = "private-token\nAuthorization: secret";
+    // Compatibility: valid but unknown API codes remain available to callers;
+    // scripts permit only fixed known codes in diagnostics.
+    assert(parse_acknowledgement(bad.dump()).valid);
     { std::ofstream stream(file); stream << "corrupt"; }
     must_fail([&]{queue.load();});
     must_fail([&]{queue.store(body("three","cancel"));});
diff --git a/tools/tests/bank_component_cases.cpp b/tools/tests/bank_component_cases.cpp
new file mode 100644
index 0000000..77b65ac
--- /dev/null
+++ b/tools/tests/bank_component_cases.cpp
@@ -0,0 +1,38 @@
+
+// Executed with the actual registration adapter and portable engine interfaces.
+#include <fstream>
+int main()
+{
+    bank::component component;
+    component.on_startup(nullptr);
+    const auto call = [](const std::string& name, std::vector<std::string> args = {})
+    {
+        return gsc::function::functions.at(name)(args);
+    };
+    assert(call("bankversion").as<std::string>() == "1.2.0");
+    auto ack = call("bankresponse", {"private-secret-invalid-json"}).as<scripting::array>();
+    assert(!ack["valid"].as<bool>());
+    assert(ack["reason"].as<std::string>() == "invalid_json");
+    assert(ack["code"].as<std::string>().empty());
+    assert(call("bankload", {"server", "endpoint"}).is<scripting::array>());
+    for (int i = 0; i < 2; ++i)
+        assert(!call("bankstore", {"server", "endpoint", "private-secret Authorization"}).as<bool>());
+    const std::string body = R"({"server":"server","request_id":"one","decision":"cancel"})";
+    assert(call("bankstore", {"server", "endpoint", body}).as<bool>());
+    const auto root = bank::spool("server", "endpoint");
+    assert(root.load().size() == 1);
+    // Locate only the test process's temporary outbox.
+    std::filesystem::path file;
+    for (const auto& entry : std::filesystem::recursive_directory_iterator("tws-bank"))
+        if (entry.path().extension() == ".json") file = entry.path();
+    assert(!file.empty());
+    { std::ofstream stream(file); stream << "private-secret-corrupt-journal"; }
+    for (int i = 0; i < 2; ++i)
+    {
+        assert(call("bankload", {"server", "endpoint"}).get_raw().type == game::SCRIPT_NONE);
+        assert(!call("bankremove", {"server", "endpoint", "one"}).as<bool>());
+    }
+    std::filesystem::remove(file);
+    assert(call("bankload", {"server", "endpoint"}).is<scripting::array>());
+    assert(call("bankremove", {"server", "endpoint", "one"}).as<bool>());
+}
diff --git a/versions.json b/versions.json
index 302fd96..54f922d 100644
--- a/versions.json
+++ b/versions.json
@@ -1,6 +1,6 @@
 {
   "tws_t5_afk.gsc": "1.0.0",
-  "tws_t5_bank.gsc": "2.0.1",
+  "tws_t5_bank.gsc": "2.0.2",
   "tws_t5_common.gsc": "1.1.0",
   "tws_t5_hud.gsc": "1.1.0",
   "tws_t5_join.gsc": "1.0.0",
@@ -8,13 +8,13 @@
   "tws_t5_lock.gsc": "1.0.0",
   "tws_t5_telemetry.gsc": "1.0.0",
   "tws_t6_afk.gsc": "1.0.0",
-  "tws_t6_bank.gsc": "2.0.1",
+  "tws_t6_bank.gsc": "2.0.2",
   "tws_t6_common.gsc": "1.1.0",
   "tws_t6_hud.gsc": "1.1.0",
   "tws_t6_join.gsc": "1.0.1",
   "tws_t6_leaderboard.gsc": "1.0.0",
   "tws_t6_lock.gsc": "1.0.0",
   "tws_t6_telemetry.gsc": "1.0.0",
-  "t5-plugin": "1.1.0",
-  "t6-plugin": "1.1.0"
+  "t5-plugin": "1.2.0",
+  "t6-plugin": "1.2.0"
 }