As a guild leader (with already limited playtime) for a newbie-friendly bigger nonprofit guild, every once in a while, you have to look in an empty guild bank because of a small group of players that are only enjoying the game if they can annoy as many players as possible. All you want is to try to give every newbie the chance to get some items or older players the chance to trade their event items because some will always get the same 4 items out of 20 new items because of the drop system. But this would cost you additional playtime every week just to manage stuff like that if you do not want to annoy every giving player because it's always the same group of people to take it out of the bank.
That is why I hope this idea will find its way into the game (don't care if it's 100% accurate to the one I am going to suggest or if you come up with your own idea - just want to let you know there is something that needs fixing from you guys
@ZOS Devs).
The current guild bank only gives you the option to open/close gold and/or items withdrawals individually. But none of those is limited once it's open. Here is the new idea for better usage of the ranks in the guild and also making the guild bank system more automatically manageable but still pretty fraud-proof.
You can limit the number of withdrawals for gold and every item quality for every rank your guild has individually.
Let's say you got the ranks: Guild Leader, Guild Management, Member, and Novice. Of course, the Guild Leader got all rights to an unlimited withdrawal for both gold and items. Then Guild Management would get all the rights as well just in case someone accidentally deposited something wrong and you need a guild manager to give it back to the Member/Novice. Members could be limited to a total Item Limit of 50, 5 of them can be yellow, 10 more can be purple, 15 blue, and stuff like that, which is individually defined with an input box next to the item color once the quality is "unlocked" for the rank. The guild leader can write any number between 1 and 500 into that box depending on how much movement you want to have in the bank and resettable from the Guild Leader or Guild Management on request by the member (they can check if the movements are fine for the guild-defined rules like if you put 1 yellow item in the bank, you are allowed to take another 1 yellow item out and stuff like that.
Novice got only the right to take 1-500 items every week (also defined by the guild leader in the ranks tab), but only 1 yellow item, 2 purple items, 5 blue items, and so on (also manual input). I think you got the point.
Because of the new way you handle the guild history with Update 41, this would be the perfect QoL update for one of the later updates in 2024 because all the data you need for this is already collected, and you just need to use it in a customizable way. I hope this one reaches the ZOS-Devs, and they bring an updated version for the guild bank (by the way, also include auto-stacking and right-click "withdraw X" for guild banks as well - if not planned already)
Thank you for reading and additional updates that might follow this posting.