I still don't understand why people account gold per character, instead of per account. It's silly.
I have approximately 2.5 million gold on hand, but it's spread out amongst all 11 of my toons, with my main (which is also my banker) having the most at about 500k. So, I've never had a toon gold capped, per se, but...I have more than a million gold.
Bagnon tells me what my total is across all 11 toons, and that's the only number I ever look at.