All transferable currencies should be account wide, not just gold. Without needing to go anywhere, press any extra button.
I get it, this game is 20 years old, but come on, wasting time sending gold or pet charms or what have you is NOT where the game experience is at... or shouldn't be, anyway.
I still remember logging in and out on my 38 alts to gather all my pet charms to get the 5k pet. Or doing the same to get all scraps of gold to buy the papi butterfly pet. I keep my alts in strategic places to farm mounts / pet stuff, so I don't move them. Thank god for mail toys.
So if warband bank is not summonable with a toy, then it's just as useless. Nevermind still having to log on all chars again, so literally no difference from what we have now. Not sure how people think going to a bank to deposit stuff in a big pool and going there to retrieve stuff is somehow different from using mail or from using a personal guild bank...
Even the transfer UI is lousy. I'd still have to log on every single alt to do the transfer. Why did they even bother when mailing is almost the exact same effort, especially since a mail toy is easily available with Maruuk faction.