Banking on Bella revolves around our young hero - a recent graduate - who immediately moves to the big city. He successfully finds a small apartment and lands a job at a small bank. The game starts on our main character's first day at work.

Student life is perhaps the most vivid, colorful, and memorable period of life for many of us. You start your adult life, feel unlimited possibilities, make a lot of new acquaintances. "University of Problems" is just about it.
An ordinary guy from an ordinary family unexpectedly enters one of the best universities in the country. What could be better, right? Lots of opportunities, constant parties, attractive girls, complete freedom of choice. In a word: real adult life. But everything is not as rosy as it may seem at first glance...​

You play as the main character who finds himself having to travel from his home to Sunshine Bay near the start of the game.
He goes there to help his sister run a Bed and Breakfast Hotel, which is located in Sunshine Bay. Your objective is to help her create more business for her flailing hotel before it goes into receivership. You will stay there during the usually busy Summer period, or three months if things go well.
You will also be given the task of helping her to recruit other people (or characters) in the town for specific positions at the hotel (e.g a cook, a maid, a receptionist, plus other jobs!).

Встречайте Рождество с любой из понравившихся вам девушек.

Твоя мать умерла несколько лет назад, а твой отец недавно умер (счастливое начало, неправда ли?).
Вы возвращаетесь в дом своего детства, чтобы посетить лучшего друга вашей умершей матери Монику и двух её дочерей, которые выросли.