Question about Bank V enchantment mechanics

[SrIvan]

I'm doing some tests with the Bank V enchantment. All my armor pieces (Helmet, Chestplate, Leggings, and Boots) have Bank V applied.

When I let myself die with coins on me, I noticed I didn't lose any coins at all. This confused me because the Bank V enchantment says it should reduce the coin loss on death by 50%.

So here's my question: Does Bank V stack? For example, if I have 4 pieces of armor with Bank V, does that reduce coin loss to 0%, or does it only reduce by 200% in total?

I also...

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