diff --git a/DOC/AGENT_Context_Project.md b/DOC/AGENT_Context_Project.md
index e333b09..3ccc3c2 100644
--- a/DOC/AGENT_Context_Project.md
+++ b/DOC/AGENT_Context_Project.md
@@ -628,7 +628,7 @@ Use conventional prefixes: `feat:`, `fix:`, `docs:`, `refactor:`, `chore:`
 | `lib/menu-lib.sh` | 362 | Category-neutral interactive menu primitives (`menu_guard` tty guard, `menu_run` looping boxed menu, `menu_pick` type-to-filter picker, `menu_ask_value` prompt-with-default via raw-mode bracketed-paste-safe `menu_read_value`; stderr render, fail-closed on non-tty/EOF) — sourced by `share-lib.sh`, open to any category |
 | `lib/registry.sh` | 199 | Shared query API for POS tool metadata headers (`# POS_*:`) — `reg_scan`/`reg_list`/`reg_lookup`/`reg_each`/config scope helpers; used by `pos-tree` and `gen-docs.sh` |
 | `lib/yt-lib.sh` | 50 | Shared YouTube helpers for `pos media yt *` (`yt_check_deps`, `yt_validate_url`, `yt_echo_cmd`, `classify_url`) — sourced by `yt-mp3`/`yt-mp4`/`yt-grab`/`yt-subtitles` |
-| `lib/bank-lib.sh` | 175 | Shared Command Bank storage helpers for `pos bank` (`bank_load`/`bank_save`/`bank_add`/`bank_remove`/`bank_update`, `{param}` template substitution; store `~/.config/linux_post_install/bank.env`) — sourced by `pos-bank` |
+| `lib/bank-lib.sh` | 183 | Shared Command Bank storage helpers for `pos bank` (`bank_load`/`bank_save`/`bank_add`/`bank_remove`/`bank_update`, `{param}` template substitution, v2 `\n`-escaped multiline storage with backward-compat raw load; store `~/.config/linux_post_install/bank.env`) — sourced by `pos-bank` |
 | `bin/flag-reader` | 58 | Inspect flags (list/status/`--raw`) |
 | `bin/flag-set` | 21 | Set a flag (optionally with a value) |
 | `bin/flag-clear` | 21 | Unset a flag |
@@ -686,7 +686,7 @@ Use conventional prefixes: `feat:`, `fix:`, `docs:`, `refactor:`, `chore:`
 | `bin/pos-system-schedule` | 151 | Scheduled jobs: run a command on a timer; notify on threshold/change/error/always or silently |
 | `bin/pos-system-uninstall` | 518 | Remove pos toolkit binaries, services, shell integration, config, and data |
 | `bin/pos-ai` | 714 | AI assistant: ask, chat, sessions, capture, models, providers |
-| `bin/pos-bank` | 314 | Persistent command bank for saving and running shell commands |
+| `bin/pos-bank` | 311 | Persistent command bank for saving and running shell commands |
 | `bin/pos-config` | 80 | Interactive editor for the tools' runtime config (reads # POS_CONFIG: registry) |
 | `bin/pos-tree` | 118 | Show the pos CLI command tree: categories, commands, and subcommands |
 | `completions/pos.bash` | 331 | Dynamic bash completion |
diff --git a/bin/pos-bank b/bin/pos-bank
index cabb0e7..bd5efae 100755
--- a/bin/pos-bank
+++ b/bin/pos-bank
@@ -114,12 +114,11 @@ cmd_show() {
     [ -n "${1:-}" ] || err "Usage: pos bank show <name>"
     local name="$1"
     bank_load
-    local entry
-    entry="$(bank_get "$name")" || err "Command not found: $name"
+    bank_find "$name" >/dev/null 2>&1 || err "Command not found: $name"
     local cmd_name cmd_desc cmd_cmd
-    cmd_name="$(printf '%s' "$entry" | cut -f1)"
-    cmd_desc="$(printf '%s' "$entry" | cut -f2)"
-    cmd_cmd="$(printf '%s' "$entry" | cut -f3)"
+    cmd_name="${BANK_NAMES[$BANK_IDX]}"
+    cmd_desc="${BANK_DESCS[$BANK_IDX]}"
+    cmd_cmd="${BANK_CMDS[$BANK_IDX]}"
     echo
     echo "Name: $cmd_name"
     echo
@@ -162,12 +161,11 @@ cmd_run() {
         done
     fi
     bank_load
-    local entry
-    entry="$(bank_get "$name")" || err "Command not found: $name"
+    bank_find "$name" >/dev/null 2>&1 || err "Command not found: $name"
     local cmd_name cmd_desc cmd_cmd
-    cmd_name="$(printf '%s' "$entry" | cut -f1)"
-    cmd_desc="$(printf '%s' "$entry" | cut -f2)"
-    cmd_cmd="$(printf '%s' "$entry" | cut -f3)"
+    cmd_name="${BANK_NAMES[$BANK_IDX]}"
+    cmd_desc="${BANK_DESCS[$BANK_IDX]}"
+    cmd_cmd="${BANK_CMDS[$BANK_IDX]}"
     # Detect parameters
     local params_str
     params_str="$(_extract_params "$cmd_cmd")"
@@ -218,12 +216,11 @@ cmd_edit() {
         name="$(_pick_command)" || return 0
     fi
     bank_load
-    local entry
-    entry="$(bank_get "$name")" || err "Command not found: $name"
+    bank_find "$name" >/dev/null 2>&1 || err "Command not found: $name"
     local old_name old_desc old_cmd
-    old_name="$(printf '%s' "$entry" | cut -f1)"
-    old_desc="$(printf '%s' "$entry" | cut -f2)"
-    old_cmd="$(printf '%s' "$entry" | cut -f3)"
+    old_name="${BANK_NAMES[$BANK_IDX]}"
+    old_desc="${BANK_DESCS[$BANK_IDX]}"
+    old_cmd="${BANK_CMDS[$BANK_IDX]}"
     echo
     log "Editing: $old_name"
     echo
diff --git a/lib/bank-lib.sh b/lib/bank-lib.sh
index 4bf7866..6e06660 100644
--- a/lib/bank-lib.sh
+++ b/lib/bank-lib.sh
@@ -4,6 +4,8 @@
 #
 # Storage: ~/.config/linux_post_install/bank.env
 # Format:  name|description|command
+# v2: commands with real newlines are saved with \\ (backslash) and \n
+#     (newline) escapes; files written by v1 have no marker and load raw.
 #
 # Contracts:
 #   * Defines ONLY bank_* functions — sourcing never clobbers a tool's helpers.
@@ -20,12 +22,13 @@ bank_load() {
     BANK_NAMES=(); BANK_DESCS=(); BANK_CMDS=()
     [ -f "$BANK_FILE" ] || return 0
 
-    local line name desc cmd
+    local line name desc cmd v2=0
     while IFS= read -r line; do
-        [[ "$line" =~ ^[[:space:]]*# ]] && continue
+        [[ "$line" =~ ^[[:space:]]*# ]] && { [[ "$line" == *"BANK_VERSION: 2"* ]] && v2=1; continue; }
         [[ -z "${line// /}" ]] && continue
         IFS='|' read -r name desc cmd <<< "$line"
         [[ -z "$name" ]] && continue
+        [ "$v2" -eq 1 ] && cmd="$(printf '%b' "$cmd")"
         BANK_NAMES+=("$name")
         BANK_DESCS+=("${desc:-}")
         BANK_CMDS+=("${cmd:-}")
@@ -42,10 +45,15 @@ bank_save() {
     tmp="$(mktemp "${dir}/.bank.XXXXXX")"
     {
         printf '%s\n' "# Command Bank — managed by pos bank (do not hand-edit)"
-        printf '%s\n' "# Format: name|description|command"
+        printf '%s\n' "# Format: name|description|command (\\n = escaped newline in command)"
+        printf '%s\n' "# BANK_VERSION: 2"
         local i
         for ((i = 0; i < ${#BANK_NAMES[@]}; i++)); do
-            printf '%s|%s|%s\n' "${BANK_NAMES[$i]}" "${BANK_DESCS[$i]}" "${BANK_CMDS[$i]}"
+            local cmd="${BANK_CMDS[$i]}"
+            # Escape: every backslash → \\, every real newline → \n (keeps one record per physical line)
+            cmd="${cmd//\\/\\\\}"
+            cmd="${cmd//$'\n'/\\n}"
+            printf '%s|%s|%s\n' "${BANK_NAMES[$i]}" "${BANK_DESCS[$i]}" "$cmd"
         done
     } > "$tmp"
     chmod 600 "$tmp"
diff --git a/tests/README.md b/tests/README.md
index 47e3436..6fa6df3 100644
--- a/tests/README.md
+++ b/tests/README.md
@@ -57,4 +57,4 @@ silently.
 | `t-share-mountpoint.sh` | share-client `ask_mountpoint` UX: existing/new/declined/rejected paths, confirm gate, mkdir side effects, non-TTY stdin contract, static `n`→`t` guards |
 | `t-pos-media-yt.sh` | unified `pos media yt` suite: dispatcher + forwarder resolution, shared yt-lib helpers, yt-mp3/mp4/grab/subtitles flags, dry-run deps, `YT_OUT_DIR` seam, `GRAB_DEFAULT` config, negative controls (unsafe-URL no-expansion, `--lang en,ar` single arg, txt timestamp-stripping) |
 | `t-telegram-listener-singleton.sh` | Telegram listener single-instance guard: first `--run` acquires the flock, second `--run` fails fast with the exact message, lock auto-releases so the next start is clean, `--status` reports the lock state |
-| `t-bank.sh` | Command Bank: bank-lib.sh unit tests (add/remove/update/find/get/list/count/valid/extract_params/substitute_params) + pos-bank CLI integration (help, list, add, show, run, remove, params, invalid name) |
\ No newline at end of file
+| `t-bank.sh` | Command Bank: bank-lib.sh unit tests (add/remove/update/find/get/list/count/valid/extract_params/substitute_params, multiline `\n` storage round-trip, literal-`\n` escape round-trip, v1 backward compat) + pos-bank CLI integration (help, list, add, show, run, remove, params, invalid name, multiline show/run) |
\ No newline at end of file
diff --git a/tests/t-bank.sh b/tests/t-bank.sh
index fd2ca86..95e5a08 100755
--- a/tests/t-bank.sh
+++ b/tests/t-bank.sh
@@ -250,6 +250,83 @@ BANK
     ) && printf '  PASS  bank_load skips comments and blank lines\n' \
       || printf '  FAIL  bank_load skips comments and blank lines\n'
 
+    # A19: multiline command storage round-trip — escapes \n, single record line
+    (
+        BANK_FILE="$sandbox/a19.bank.env"
+        : > "$BANK_FILE"
+        source "$helper"
+        script="$(cat <<'SCRIPT'
+#!/usr/bin/env bash
+for tag in one two; do
+    out="$(printf '%s' "$tag" | tr 'a-z' 'A-Z')"
+    echo "tag=${tag} out=${out} done"
+done
+SCRIPT
+)"
+        bank_add "ml" "Multiline demo" "$script"
+        bank_load
+        [ "${#BANK_NAMES[@]}" -eq 1 ] || { echo "FAIL A19: expected 1 entry, got ${#BANK_NAMES[@]}"; exit 1; }
+        [ "${BANK_CMDS[0]}" = "$script" ] || { echo "FAIL A19: command bytes differ"; exit 1; }
+        rec_lines="$(grep -c '^ml|' "$BANK_FILE" || true)"
+        [ "$rec_lines" -eq 1 ] || { echo "FAIL A19: expected 1 record line, got $rec_lines"; exit 1; }
+        [ "$(wc -l < "$BANK_FILE")" -eq 4 ] || { echo "FAIL A19: file has bogus physical lines"; exit 1; }
+        grep -q '\\n' "$BANK_FILE" || { echo "FAIL A19: missing \\n escape in file"; exit 1; }
+        echo "PASS A19: multiline round-trip"
+    ) && printf '  PASS  multiline storage round-trip (one record line, \\n escapes)\n' \
+      || printf '  FAIL  multiline storage round-trip (one record line, \\n escapes)\n'
+
+    # A20: literal \n (backslash-n) in command round-trips literally — NOT a real newline
+    (
+        BANK_FILE="$sandbox/a20.bank.env"
+        : > "$BANK_FILE"
+        source "$helper"
+        esc="$(printf '%s' "printf 'a\\nb'")"
+        bank_add "esc" "Escapes" "$esc"
+        bank_load
+        [ "${BANK_CMDS[0]}" = "$esc" ] || { echo "FAIL A20: literal \\n not preserved [${BANK_CMDS[0]}]"; exit 1; }
+        case "${BANK_CMDS[0]}" in
+            *$'\n'*) echo "FAIL A20: decoded literal \\n into a real newline"; exit 1 ;;
+        esac
+        echo "PASS A20: literal \\n round-trip"
+    ) && printf '  PASS  literal \\n command round-trips literally\n' \
+      || printf '  FAIL  literal \\n command round-trips literally\n'
+
+    # A21: old-format file (no BANK_VERSION marker) keeps raw backslashes — no %b decode
+    (
+        BANK_FILE="$sandbox/a21.bank.env"
+        cat > "$BANK_FILE" <<'BANK'
+# Command Bank — managed by pos bank (do not hand-edit)
+# Format: name|description|command
+raw|Raw echo|echo 'a\b'
+BANK
+        source "$helper"
+        bank_load
+        expected="$(printf '%s' "echo 'a\\b'")"
+        [ "${BANK_CMDS[0]}" = "$expected" ] || { echo "FAIL A21: raw backslash changed [${BANK_CMDS[0]}]"; exit 1; }
+        echo "PASS A21: old-format raw backslash"
+    ) && printf '  PASS  old-format file keeps raw backslash (no decode)\n' \
+      || printf '  FAIL  old-format file keeps raw backslash (no decode)\n'
+
+    # A22: old-format entry survives a re-save byte-identically (escape + decode round-trip)
+    (
+        BANK_FILE="$sandbox/a22.bank.env"
+        cat > "$BANK_FILE" <<'BANK'
+# Command Bank — managed by pos bank (do not hand-edit)
+# Format: name|description|command
+ts-google|Tailscale Google|tailscale status --json >/tmp/ts.json && grep -q '"ExitNodeStatus":null' /tmp/ts.json && tailscale set --exit-node=google || tailscale set --exit-node=
+BANK
+        source "$helper"
+        bank_load
+        orig="${BANK_CMDS[0]}"
+        bank_add "new-cmd" "New entry" "echo ok"
+        bank_load
+        [ "${#BANK_NAMES[@]}" -eq 2 ] || { echo "FAIL A22: expected 2 entries, got ${#BANK_NAMES[@]}"; exit 1; }
+        [ "${BANK_CMDS[0]}" = "$orig" ] || { echo "FAIL A22: old entry changed after re-save"; exit 1; }
+        [ "${BANK_CMDS[1]}" = "echo ok" ] || { echo "FAIL A22: new entry missing"; exit 1; }
+        echo "PASS A22: old-format re-save round-trip"
+    ) && printf '  PASS  old-format entry round-trips through re-save\n' \
+      || printf '  FAIL  old-format entry round-trips through re-save\n'
+
     # ═══════════════════════════════════════════════════════════════
     # Part B: pos-bank CLI integration tests
     # ═══════════════════════════════════════════════════════════════
@@ -359,4 +436,32 @@ BANK
     check_rc "pos bank run with params exits 0" 0 "$TR_RC"
     check_contains "pos bank run substitutes param" 'Running: echo hi "there"' "$TR_OUT"
     check_contains "pos bank run executes substituted command" "hi there" "$TR_OUT"
+
+    # B15: pos bank add multiline + show — cmd_show retrieves the FULL script via arrays
+    # Negative control: bank_get + cut -f3 truncated the command at the first newline.
+    # (Brace-free script: {param} template detection would prompt on run in a non-TTY.)
+    : > "$sandbox/b15.bank.env"
+    ml_script="$(cat <<'SCRIPT'
+#!/usr/bin/env bash
+n=0
+while [ "$n" -lt 2 ]; do
+    n=$((n + 1))
+    echo "round $n: $(printf 'ok')"
+done
+SCRIPT
+)"
+    test_run env BANK_FILE="$sandbox/b15.bank.env" "$pos_bank" add "ml-demo" "Multiline demo" "$ml_script"
+    check_rc "pos bank add multiline exits 0" 0 "$TR_RC"
+    test_run env BANK_FILE="$sandbox/b15.bank.env" "$pos_bank" show "ml-demo"
+    check_rc "pos bank show multiline exits 0" 0 "$TR_RC"
+    check_contains "pos bank show prints script shebang" '#!/usr/bin/env bash' "$TR_OUT"
+    check_contains "pos bank show prints loop line" 'while [ "$n" -lt 2 ]; do' "$TR_OUT"
+    check_contains "pos bank show prints arithmetic line" 'n=$((n + 1))' "$TR_OUT"
+    check_contains "pos bank show prints substitution echo" 'echo "round $n: $(printf' "$TR_OUT"
+
+    # B16: pos bank run multiline — executes the WHOLE script via eval of the full command
+    test_run env BANK_FILE="$sandbox/b15.bank.env" "$pos_bank" run "ml-demo"
+    check_rc "pos bank run multiline exits 0" 0 "$TR_RC"
+    check_contains "pos bank run multiline output line 1" "round 1: ok" "$TR_OUT"
+    check_contains "pos bank run multiline output line 2" "round 2: ok" "$TR_OUT"
 }