Fwiw, WoW didn’t have this till Wrath, iirc. Prior, GL’s just restricted access only to themselves and handled withdrawals and deposits manually.
But yeah, to make this work there needs to be:
1. Player guild ranks
2. Different bank sections (separately configurable tabs as in WoW, or something else)
3. Access control based on player rank and bank section
4. Access control that limits daily gold withdrawal/repair money based on player rank
I wouldn’t say ‘shame’ on them, there are a million quality of life things to be implemented – look at this forum – but if you wait to launch before you have them all, you’re never launch.
I for one would rather be playing.