Currently the bank is shared across the account so all characters use the same bank. I am sure this had to do with being able to gather materials or goods and have all the characters have access.
I am absolutely hating this.
When I play I want each character in their own bubble, not have access to things beyond their ability or time. Given, the bank is where all the mats are stashed, this pretty much makes it impossible or only have one character. I spend more time trying to remember what is tied to what character than crafting.
Now I know some people don't mind sharing banks with all their characters.
So, if we could add either:
1) an option for your account that the shared bank goes away and each character has their own
2) or a third bank (guild and shared are the others) be made available
That way people who want a shared account can have one, those that don't don't.
Can't give you numbers, but I would imagine a not insignificant number of players will have this issue RPers for instance, some solo players etc.