I'm a big fan of personal guild banks meself! It's half the reason for a multiboxer to bother setting up a guild. The other half, though the OP may disagree, is surely the joy of a cutesy guild name. My love of cutesy guild names has cut into the functionality of the guild bank, because now for five teams, I have three guilds, specifically because I thought of two more cutesy names I couldn't let go ('Dis Gonna Hurt' for my troll shaman team, and 'Grimmertotem' for the tauren druids). Many guilds are name-driven -- e.g. 'Is Cooler Than You', 'Rides A Chicken' -- so this is not unique.

fwiw, if I ever start a new team on a new server, I think I'll remain unguilded for awhile except to whore signatures out to aspiring guildmasters for 10g a pop. That can buy a lot of early skills for a poor RAF multiboxer.