every guild that has any sense only has bank open to trusted officers, else they want to get robbed. people in mmo's are [snip] thieves.

[Moderator Note: Edited per our rules on Cursing & Profanity]

Yup.. those settings are nice.

However there can be some adjustments IMO.. Such as a split bank for member ranks. This would allow new members to have additional bank space upon joining, but with a risk. However still a reason to gain ranks, get the know the members, and finally share a bank space with them once you are trusted.

There are enough new invitees who jump ship <1 min after they joined and saw that the trade guild bank is not open to all to make me believe you should not open banks to everyone....at least in a 500 strong trade/crafting guild.

Having said that, our bank was initially open but a couple of members tried to take advantage of a duping bug that happened early in game and fortunately the leader spotted it in time and closed the bank down completely for the longest time. Now it is open to officers, but I have never personally used it.

You need to be picky about who you let in your guild. Guilds that spam zone and invite people all willy nilly deserve to have their banks raided. That being said, you're not in a real guild if your GM is the only one using the bank. You're just helping him retain enough members to be able to use it. You're better off joining a guild with restrictions on who it lets in, that trusts and builds relationships with its members.

I created a guild with now above 200 members and i let everyone use the guildbank. It is a nice overflow place for stuff we would otherwise just destroy and it helps with shuffling mats between alts when the personal bank is full.

In a small, social guild where you know and trust everyone, it's possible to keep the bank open. But if you have a guild with >400 members, how can you know your newest member won't clear the bank and run?

The big guilds I'm in keep the bank semi-open: all members can deposit, but only officers can withdraw. It seems to work fine. However, we definitely need more complex bank privilege options, maybe a limit on daily withdrawals based on rank or something.

Our bank is open for "regular" members and up, but new members (people that have just been invited) don't get access to the bank (depositing or withdrawing, 'cause it seems like a jerk move to give them a right to deposit but not withdraw) until they prove they're going to stick around and be a participant in the guild.

With this setting I haven't' had any issues with members clearing the bank. Yes, people are withdrawing/depositing often, usually crafting material (and then they often deposit crafted items back in the bank). But our guild is small, barely 50 members.

When we have more bank control options and more members, things may change. But I don't think we'll see withdraw privileges for new recruits ever. That's just asking for trouble.

I belong to a large guild where its open to all members; if members abuse the priviledge they get booted from the guild. Granted not a lot of really valuable sutff gets put there. But people put excess mats, traits, random equipment, lockpicks, recipes, etc get put there.

I have just recently been invited to my 4th guild attempt. Started out refreshing, but after about a week, seems to be like all the other ones I join. Being new to MMO, I really feel limited on my fighting abilities and mechanics. Not to mention that I am more of just push the buttons and click kind of guy. I am not a leader, but a great follower. With that being said, I really enjoy the crafting and want to share it with the world. Between two characters, with each doing 3 crafts, I have maxed out Alchemy, Provisioning, and wood working. Enchanting is at 32 and I am making v12 cloth and metal. Doing very well with traits and can now craft a few 8 trait sets.
In real life, I am a lab tech because I enjoy the supporting role. It comes second nature on ESO to be a support guy. I want to support my guild, the guild bank, individuals when needed, but here is where it becomes ehh.
I make food. I sell some of the food to the vendor, I save some to put in the guild bank. I don't just put any food in there, I put in level 45, 50, all blue and I put them in there at stacks of 20. The way I see it, anyone with common sense and a need for that food, would take out a stack of 20, split off 4 or 5, and put the rest back in there. Nooo, instead, some level 25 player goes in and takes out 4 stacks of 20 food items that he or she cant even use, and poof, all your work and dedication to help build a guild bank is blown away. Lucky for me, I just did that as a test to see if the food would stay there. Although I am once again, new to a guild, and need to give it a little more time. I refuse to make powerful potions and or create food to donate to a guild bank that is open to everyone. My belief for a guild bank is that anytime you take something out, you put something back that is equal or better. Once in awhile an exception is fine. After all, we are in their to help each other. But should we not also be helping the guild as a whole, as one? When I go into pvp, I want my war leaders to have a bank full of powerful potions to help lead the way, potions for our healers to be crazy on magic, ect... When we first meet up and group in pvp, I want someone to be able to deal out food buffs for who need one. I Personally believe the guild bank should be monitored and open to a select group. New members wanting access can ask for stuff, and or you can create an oath for that person to promise to always give back a little more than they took, if possible. If it is not possible, then explain. I bet most of the successful guilds in all of MMO, have someone with an eye on the bank at all times.