Every guild has their own approach.

My own guild has a "community chest" system for most of our guild tabs where we only permit the deposit and withdrawl of raw materials. Everyone above our lowest "recruit" rank has access and can withrawl, and we simply limit the number of stacks based on rank.

If the raw material in question is rare or very valuable and we feel it needs to be regulated, it goes onto a tab with officer access only. Anything not on that restricted tab is expected to be used, and we generally don't ask too many questions unless we notice someone pulling out way more than they are contributing. Typically, in that situation, we ask them to schedule or participate a farming event to set the records right again and restore balance.

Largely, this system works for all of our members and the "honor system" on withdraws has worked out splendidly. We've even found that so many of our members are on board with contributing that we were able to sell surplus materials on the realm AH and the proceeds pay for near unlimited guild repairs for all ranks.

Will this work for all guilds? Maybe not. We're a high-level progression guild on our server, however, with over 30 active members on at any given time of day and to-date our banking system has remained drama-free.

Food for thought to any officer experiencing guild bank drama. Caio!

-Maggs