Thank the makers for this, really. Right now I'm trying to manage a "guild bank" which is essentially a level 7 toon built to hold donations for guild use
This was what we had to do until they introduced guild banks in EQ and WoW. There was still the risk of the GL just waltzing off with the goods and access was a much more limited thing. Sometimes you had people obliged to share account access so that someone else could log in the guild banker.
A real guild bank is much more secure provided it is set up and controlled properly and from the way Trion have handled most of what I've seen so far I think it probably will be.
I'm not even in a guild and I like it