You dont have to do these things, as you will get the coin either way. This guide is going to assume you are in New Dawn. If you want quick access to the coin you are going to earn, you should sit your character next to the token. The token can be located at the center of the settlement, shown in the picture below:
[[Image:Tutorial Inventorytoken.jpg|Settlement Token]]
Once there, you can go ahead and either log out of the game, or minimize the game so you can use the reward tool.
The reward tool is located on the Wurm Shop page near the bottom. You will need to type in your characters name and click in the picture directly below the textbox. This will take you to a new page, which will display quite a bit of information you should read before continuing.
[[Image:Tutorial Inventoryshop.jpg|Reward Tool Link]]
Once you have read the materials, towards the bottom of the page will be a red box with a line of pictures. These pictures are all different ways you can get some coin. Each one has different requirements to complete in order to acquire the coin that is listed above the picture. You can find what the requirements are by looking in the bottom left hand corner, above where it shows the amount of coin you have earned. When you click on one of the offers, it will open in a new window. Once you enter the required information and submit the data, your in game bank will automatically be updated with the corresponding amount of coins.
[[Image:Tutorial Inventoryoffers.jpg|Reward Tool]]
==The In Game Coin==
Once you have done a few offers, you can see that the amount of coins earned have increased on the reward tool page. Now if we head back into the game and go to the Settlement token(view picture above), right click on it, select Bank->Withdraw Money, it will open a new window, as shown below:
[[Image:Tutorial Inventorybank.jpg|Bank]]
From this point, you can go ahead and withdraw the desired amount of money from the bank. Keep in mind that if you die, you have a chance of losing this money unless you recover your corpse, so keep as little on you as possible.