Ok, thanks for the comments. Here are some starting rules.
1. to start, only callu, Sam, me and lady will have access to bank. That should be trusted enough.
2. To start, only low level items will be accepted. Rock, earth, water, fire, metal. Moons, suns. Pages. tomes Basically, the bank will help people get gloves, boots, helms, and spells.
3. Bank is only for mains (exception listed below).
4. Who can withdraw? People who donate and people who are long term members. Noobs can't just join take leave. People who have left in past cannot withdraw unless they have donated.
5. Abuse of the bank is reason to kick
6. High level, long term members may use the bank for alts. These member have most likely donated the most anyway.
7. We will allow 'even' swaps. I.e. give a metal, get a metal; give a page, get a page type of thing.
So basically, we will start with low margin items to see how things work. If someone wishes to donate a high value item (like dragon,space,etc.) we will figure out, as a clan who should get it.
Not sure how often the bank will be open, but do not expect generals to drop everything to open up for you. Especially after an update

If the bank fails, how will we liquidate? Probably let donors dice for items they want. Raffle money in 2k increments.
One last note. I have been in a lot of clans. Some just sell stuff, some sell at steep discounts to members, some give stuff away to members (directly or via bank). It is all well and nice to make money, but I have found the clans where stuff you don't need just goes to someone who does it be very pleasant to be in. It is harder to do well in a larger clan with more ppl coming and going. This version of the bank is intended as something in between. my hope is that eventually, the bank will be free and have higher value items. But I think our clan membership has to stabilize a bit more.
Thank you all