A problem of missing NPCs has been acknowledged and should be fixed in the coming patch. I assume that includes bankers, although I haven't had any missing but I did have to relog to make a quest NPC reappear a week or so ago.
CristyRazvan wrote: »Wait for it... Wait for it...
It must be a BANK HOLIDAY!
Too early for a dad joke?
I've had the Daggerfall banker not being there for a while (both Xbox and PC). She reappears when she moves position/changes path, which she can't do if lots of players are interacting with her. /reloadui doesn't fix it.