I purpose as change so that people can’t take out money but can still take out items from the stash or vice versa.
I don’t know why these were combined into one option. I really miss the nice set of options where you could govern each and every slot of a guild bank with a ton of options so you can make it set up to each and every rank in the guild from WoW.
It would also be nice to have your guild setup in more of a tree instead of a simple up and down ranking system.