I used to take out all of the crafting mats I needed from my bank to make what I wanted because I was used to previous games working this way. I can't remember exactly how I discovered that I didn't need to do this, but when it happened I was feeling lazy and was surprised that it worked, lol. It does seem kinda silly to me though; being able to take something from your bank when you're nowhere near it. Convenient, but silly!