The way we run the UESP (EU) Guild Bank is with a guideline that you should, over time, make deposits of similar value to your withdrawals. Once deposited, nothing in the bank is "owned" by any player, and anyone can withdraw anything. However, your withdrawal should be matched by a deposit of similar value (eg, withdraw a Breton motif, deposit a Nord one; withdraw a green bow, deposit a green sword; withdraw alchemy ingredients, deposit enchanting runestones).
I suspect it's an honor code for them. You can't enforce it, but you can trust your guildmates to be decent people and encourage them to give something back for what they took.SteveCampsOut wrote: »The way we run the UESP (EU) Guild Bank is with a guideline that you should, over time, make deposits of similar value to your withdrawals. Once deposited, nothing in the bank is "owned" by any player, and anyone can withdraw anything. However, your withdrawal should be matched by a deposit of similar value (eg, withdraw a Breton motif, deposit a Nord one; withdraw a green bow, deposit a green sword; withdraw alchemy ingredients, deposit enchanting runestones).
Unless you have some addon that can track these withdrawals and deposits, this is impossible to enforce. I prefer treating my guild mates like adults and for the most part it works. All it takes is one Fill-in-the-foul-language-blank though and it's ruined for everyone.
SteveCampsOut wrote: »The way we run the UESP (EU) Guild Bank is with a guideline that you should, over time, make deposits of similar value to your withdrawals. Once deposited, nothing in the bank is "owned" by any player, and anyone can withdraw anything. However, your withdrawal should be matched by a deposit of similar value (eg, withdraw a Breton motif, deposit a Nord one; withdraw a green bow, deposit a green sword; withdraw alchemy ingredients, deposit enchanting runestones).
Unless you have some addon that can track these withdrawals and deposits, this is impossible to enforce. I prefer treating my guild mates like adults and for the most part it works. All it takes is one Fill-in-the-foul-language-blank though and it's ruined for everyone.
Don't trust random strangers or people you barely know with your guild bank, period.
I'm wondering how do most people interact with guild bank accounts?
Fun story:
I tend to frequently get blind guild invites, especially on my low-level mule alts. I'll log in to transfer some inventory, and get a "XxSomePersonxX" invites you to join his guild "RaNdOm PeOpLe". There was no whisper, no request, nothing, just a random guild invite. It started to get mildly irritating.
At about 3 to 4 of these a week, I stopped assuming these invites were all just accidents, and finally decided to start accepting these random blind invites. I'd then check to see if they allow me to withdraw from the guild bank, and if so, I'd take out everything that I could vendor for gold, and then quit the guild.
Sure, that's probably a jerk move, but hey, they are bringing it upon themselves. Of all the guilds I joined this way, I've actually only ever had two guilds that allowed bank withdrawals and had banks that weren't already empty. In one of those cases, I get an angry whisper some time afterward, in the other, no one ever said anything.
tl;dr:
If everyone in your guild has bank access, you should assume anything in the bank can disappear at any time. Especially if you don't have any invite restrictions. And I can guarantee it will if you invite me completely unsolicited.