I've noticed that a lot of people use group items for banks. There are many features, such as a place for viewing membership, that is not necessary for a private bank. Also, using group items in this fashion makes it more difficult for those looking for groups to join.
Perhaps a new feature of some sort could be created for keeping gp's? Maybe even add a meter that would show how many gp you currently have, and how many until you reach your goal. An interactive one, maybe, that would automatically go up as you put gp into the account. A few suggestions to munch on!
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