does my bank account affect my city coin payouts
Maybe in indirectly. The more you invest in My City, the better potential for big rewards and payouts. The only way to expand your city is to purchase buildings, which require gems you can buy and diminish your personal bank account.
You can also purchase Bldgs with building bucks which can be gifted to you or won by playing Sea of Riches (SOR).
Your coin balance does not affect the city coin payout. It is the total gems invested in the city that affects your coin payout. Your goal is to have as many T23/L4 monuments as possible, as they give the best charms. Coins should equal out, and it doesn’t make a difference whether you have hundreds of lower-tier buildings versus a few high-tier buildings.
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thank you for your help