bank at a credit union. credit unions are non-profit. they loan there accounts to it's members, not invest in markets (at least mine is that way-BECU).
All my bills are automated. no fees for anything.
I never own a lever .22, but I have other lever actions.
the rod under the barrel probably holds the rounds. does the end unscrew?
try removing the end cap, pull it out, spring should be attached. there should be an opening for the rounds to fit only one direction. im guessing 15 to 19 rounds...