Das Festgeldkonto, the fixed-deposit account. Uli Hoeneß has described how FC Bayern Munich once had twelve million marks in sales and seven million marks in debt. One transfer in 1984 put the club back on its feet.
The remaining million, Hoeneß said, went into the fixed-deposit account, “und seither hatte der FC Bayern keine Schulden mehr”, and since then FC Bayern has had no debts. This famous account later grew to a sum in the hundreds of millions. In 2014 the club paid off its stadium after 9.5 years instead of the planned 25.