Tamriel banks are a business they are not there to just give you a service for free. They need to make a living. How do they? Just like a real world bank operates! They take your "deposits" and give you some insurance that your gold, tel var stones or things are there and will remain there. But it doesn't they use those deposits to deal with other customers in order to increase their revenues to meet the demands.

What does it mean?! It means that helm, potion, gold anything, you deposited it's not longer there. It was used in business so the bank could keep going. But when you go to withdraw it, you say it's there? The thing is since it's a trading business of buying, selling, taking and making loans your property was negotiated away. Yes you will have a molag kena helm on your "bank" and you will have that gold amount but the one that was truly yours is in another's hands when you go to withdraw it, gone forever. You will just withdraw an equivalent.

Still thinking of using banks now?