Honestly I've been ignoring my bank since I started my shaman team back up, just coasting on the ~400k I had saved up from transmutes and doing the prospect>jewelcraft>disenchant>enchant shuffle. I'll probably go back to it once I don't have exp to gain anymore. I've been finding that there's not a whole lot to spend gold on at this point, most of the things you want to get take pvp or pve points/tokens, and you can't buy those...