Account Bank Question...
You have to talk to a bank npc or interact with a crafting station to access your bank. If you have the Golem Banker (gem store item/account boost item) or the Bank Access Express (black lion chest drop/daily black lion reward/achievement point chest/gem store) consumables, those will open your bank for you from anywhere.
Outfits are permanently shown, if you have them selected to show (Hero Panel > Equipment > Outfits). Armor (which is what you’re talking about, I believe) changes when you put on items with different skins. You can Transmute the appearance of another skin (as long as it’s already unlocked in your Wardrobe) onto your new armor, though. But you’ll have to do this every time you get a new/better piece of armor, so you might just want to hold off on Transmuting until you’re set in your armor.
Thank you Rose
So costumes work the same way?
Costumes are Outfits/Outfits are Costumes. As I said above: Outfits are permanently shown, if you have them selected to show (Hero Panel > Equipment > Outfits). The Outfit you select will show even if you change your armor.
Awesome thanks again Rose.