I doubt it's the guild bank. I withdrew 80k gold from my alt guild bank and immediately traded it to my main (in another guild, on another account) so I could hit 100k on the "Most gold ever owned" statistic. If 80k withdrawl/trade didn't flag something, then I don't know what would.
Although all my accounts are tied to the same battle.net account, perhaps that prevents it from being flagged?
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