only issue starting balance if player also has no personal accounts

Author: zefir-git

src/main/java/pro/cloudnode/smp/bankaccounts/events/Join.java

@@ -20,8 +20,11 @@ public void onPlayerJoin(final @NotNull PlayerJoinEvent event) {
                 .startingBalance();
         startingBalance.ifPresent(aDouble -> BankAccounts.getInstance().getServer().getScheduler()
                 .runTaskAsynchronously(BankAccounts.getInstance(), () -> {
-                    if (Account.getVaultAccount(player).isEmpty())
-                        new Account(player, Account.Type.VAULT, null, BigDecimal.valueOf(aDouble), false).insert();
+                    if (Account.getVaultAccount(player).isEmpty()) {
+                        // if the player already has a personal account, they will not be given starting balance
+                        final @NotNull BigDecimal balance = Account.get(player, Account.Type.PERSONAL).length > 0 ? BigDecimal.ZERO : BigDecimal.valueOf(aDouble);
+                        new Account(player, Account.Type.VAULT, null, balance, false).insert();
+                    }
                 }));
         if (player.hasPermission(Permissions.NOTIFY_UPDATE)) {
             BankAccounts.getInstance().getServer().getScheduler().runTaskLaterAsynchronously(BankAccounts.getInstance(), () -> BankAccounts.checkForUpdates().ifPresent(latestVersion -> {