Once I formed my own guild, I pretty much dumped everything into it. Anything that is not soulbound goes into the bank, and all gold goes into the bank, except for 100 gold for each character. How did I manage my character's gold before this? I didn't! And I didn't realize how much better it is to have it all in one place until I started using the guild bank. When you have every available profession, a guild bank is a godsend. Especially now, with so many crafting professions dependent on the same gathering professions and so much crossover. I don't have to try and figure out who has what materials... they're all in the bank!