There are three settings that can be set to determine who can access the chest. Setting a PIN allows anyone to dig up the chest, but they must guess at the PIN. If the 'Key' option is selected, players must be given a key by the chest owner, before the chest can be dug up. Only a single item can be added to the chest, though bank notes and stackable items can be added as well. Also, this chest can be banked with the rewards remaining inside of it. This provides the opportunity for people with over max cash to keep another gold stack, or indeed another stack of any stackable or noted item.