Oppose –
Allowing all members access to the bank right when they join is a bad idea. I'm sure we all know what is going to happen. There is no way to know who took anything out, so you really can't cast blame on anyone if stuff is removed. The smart move would be to allow trusted members withdrawal privileges from the bank. The rank that is the "trusted" group is the "First Ranger". Anyone below that (Recruit/Member), I don't think should have access to taking stuff out of the bank, but they should still be able to deposit to show that they are interested in supporting the guild by supplying materials, potions, weapons/armor, etc... and not just in the guild to see what they can take.
As it is right now, I hardly know anyone that is in the guild, the only ones I know are Tim, Assassin's Art, and TurkeySocks, and we have over 50 members in the guild (most of which are not even from the wiki).
Another little note on the bank is the organization of it. The First Ranger and Guildmaster should regularly stack items, so they don't take up slots. This is happening a lot with the ingredients and reagents. They are stackable, and only a First Ranger or Guildmaster can stack, since the items need to be removed, and then stacked in your inventory and then added back to the guild bank. I've been doing a lot of the organizing of items in the guild bank. It doesn't take long, really it doesn't...it only takes long when it hasn't been done in a while. :)