i finally figured decided to figure out how to play the prototype EarthboundZero (Eng. Mother) and figured out the stupid money system, all this time I never sat down to the game because I thought the rom was crapped up, so I tried the demiforce hack and it did the same. So previously I wondered if there was a bank in Podunk, and just kept looking around. Eventually I saw an ATM looking thing in the Dept. Store and walked up to it, doing stuff w/ my card and figured it out.
FINALLY!!! So now in addition to Pkmn Emerald (or Emerpbee as my g6 calls it) I'm playing EarthboundZero, and when I finish that I'm playing Earthbound(Mother2).
Now if only we could get flipping Mother3, omfg. I'd cream.