Celtic Heroes

can somone explain to me what the term clan bank is

^^^
Fixed it for ya...

the term clan bank doesn't mean sharing accounts or missing items or gold, its providing quest items, old armor what high levels upgraded, and armor warden upgrades the clan leader mostly and should be only one handling clan bank, if the person cant find items they need for a quest or armor upgrade they ask the clan bank for peices,

this isnt i. terms or agreements and perfectly safe

You are describing... no idea what to call it... a trusted mule, perhaps? Your version assumes that one person will hold everything. You are trusting that person with all of the clan's assets. Certainly possible, and has a similar effect, but not what most people term a clan bank.

Generally speaking, a clan bank is assumed to be one account, that several highly trusted people have access to. With this system, yes... you are adding some more risk in a way, but it also means that there is probably someone online who can access the account. With a trusted mule, the can be no deposits nor withdrawals when the person is offline.

So they dont mine clan banks but if you loes itms and stuff they won't help you won't get banned or aney thing ?

Very much use at your own risk... and I wouldn't bank on them not being cracked down upon. Do you want to risk if and when OTM will start locking those accounts?

An alternative, and what we do in my clan, is that drops stay where they land. We give a group call asking if anyone needs the item. We have a clan website where we list anything we have, what we need, and trade with the person next time both are online... or pass it to someone to give to that person.