Guild Wars 2

Hi guys!
So I recently started GW2 because I loved playing RPGs and so far, it’s the most interesting.

There’s some things I couldn’t understand even after some researching so I was hoping someone can help me with it.
I understand that you need a special pass to go through the portal for the banker and trading post in Divinity’s Reach, I looked around the map and I couldn’t find any other banker or trading post, is there another way I can access those without the pass?

The other thing is about the channels, in the other MMOs I play, we have servers and channels within it.
I can’t find any options to change channels on GW2, so is there no way to change manually?

thanks in advance

The “normal” bank and trading post in Divinity’s Reach is on the upper level, 6 o’clock position on the inside hub. The nearest WP in Divinity’s Reach is Minister’s Waypoint. On the lower level under it is where you will find the crafting stations, from 5 to 7 o’clock.

http://wiki.guildwars2.com/wiki/Dwayna_High_Road

Chat channels can be selected on each tab. There is a small down arrow in front of each tab’s name. Click on that and you will get a list of channels you can select to be displayed in that tab.

http://wiki.guildwars2.com/wiki/Chat_panel

Hope that helps and welcome to the game.