If you wish to learn more about farming and the banking method, you can start with Jeff Maginniss' excellent guide called 'Farming Soldiers Inc. I am not going to elaborate on this method. Once you are proficient with the banking method, you can even try to take it a step further and exploit the bank systematically by going for 'early payouts'. Yet, properly done, and to that end a tool like 'The ZHG File' is essential, banking is still worth it, especially during events, albeit it has become harder and significantly less rewarding than it used to be for advanced players. However, it is worth pointing out that Plarium seems to have introduced a 'cyclic variance' at some point, that affects the payout size considerably, especially on higher levels. The indicated gain can be achieved in a matter of days. They are from the 'Winnings Analysis' page of 'The ZHG File' of three different accounts. You can see the current evidence against that claim for yourself on the screenshots I have provided. They say that Exchanging is all that is possible nowadays, which is simply not true (except for COBRA locations, of course, s. Some of them also claim to be experts on the matter. There are numerous people who claim otherwise, though. There is solid statistical evidence that until today, there is no better and quicker way to build up your army than the banking method, mind you, without spending any money on the game that is. This is called the banking method. In a nutshell, every payout is considered a loan in resources which has to be paid back plus interest to get the next greater payout on a higher level. Sooner or later you will start to see a pattern and if you are lucky, you will find out that there is a system with which you can optimize your gain by minimizing losses and maximizing wins. By the way, this is where most of us are now with COBRA units and locations. At some point you will realize that it takes forever to build a sizable army and that is where the banking method comes in. At this stage you can trade low level troops (infantry mostly) for high level troops (tanks and choppers). In the beginning of the game you cannot build heavy infantry units, let alone tanks or choppers. Did you know that there are at least three different types of farming units from ZHG locations? Here they are:
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