diff --git a/src/com/massivecraft/factions/FPlayer.java b/src/com/massivecraft/factions/FPlayer.java
index b38d40fc..a236c7fd 100644
--- a/src/com/massivecraft/factions/FPlayer.java
+++ b/src/com/massivecraft/factions/FPlayer.java
@@ -608,7 +608,7 @@ public class FPlayer extends PlayerEntity implements EconomyParticipator
 			double cost = Econ.calculateClaimCost(ownedLand, currentFaction.isNormal());
 			//String costString = Econ.moneyString(cost);
 			
-			if(Conf.bankFactionPaysLandCosts && this.hasFaction())
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts && this.hasFaction())
 			{
 				Faction faction = this.getFaction();
 				if ( ! Econ.modifyMoney(faction, -cost, "to claim this land", "for claiming this land")) return false;
diff --git a/src/com/massivecraft/factions/cmd/CmdUnclaim.java b/src/com/massivecraft/factions/cmd/CmdUnclaim.java
index 7594af08..1f3583c9 100644
--- a/src/com/massivecraft/factions/cmd/CmdUnclaim.java
+++ b/src/com/massivecraft/factions/cmd/CmdUnclaim.java
@@ -42,7 +42,7 @@ public class CmdUnclaim extends FCommand
 		{
 			double refund = Econ.calculateClaimRefund(myFaction.getLandRounded());
 			
-			if(Conf.bankFactionPaysLandCosts)
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts)
 			{
 				if ( ! Econ.modifyMoney(myFaction, refund, "to unclaim this land", "for unclaiming this land")) return;
 			}
diff --git a/src/com/massivecraft/factions/cmd/CmdUnclaimall.java b/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
index 49d2ea6f..c469190a 100644
--- a/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
+++ b/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
@@ -32,7 +32,7 @@ public class CmdUnclaimall extends FCommand
 		if (Econ.shouldBeUsed())
 		{
 			double refund = Econ.calculateTotalLandRefund(myFaction.getLandRounded());
-			if(Conf.bankFactionPaysLandCosts)
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts)
 			{
 				if ( ! Econ.modifyMoney(myFaction, refund, "to unclaim all faction land", "for unclaiming all faction land")) return;
 			}
diff --git a/src/com/massivecraft/factions/cmd/FCommand.java b/src/com/massivecraft/factions/cmd/FCommand.java
index bea6cf04..98c1e6a6 100644
--- a/src/com/massivecraft/factions/cmd/FCommand.java
+++ b/src/com/massivecraft/factions/cmd/FCommand.java
@@ -389,7 +389,7 @@ public abstract class FCommand extends MCommand<P>
 	{
 		if ( ! Econ.shouldBeUsed() || this.fme == null || cost == 0.0 || fme.hasAdminMode()) return true;
 
-		if(Conf.bankFactionPaysLandCosts && fme.hasFaction())
+		if(Conf.bankEnabled && Conf.bankFactionPaysCosts && fme.hasFaction())
 		{
 			if ( ! Econ.modifyMoney(myFaction, -cost, toDoThis, forDoingThis)) return false;
 		}