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Guild Bank Security
I assume pretty much every raiding guild uses the new guild bank feature these days. I'm also pretty sure that the majority of players either have lost access to their account at some point or know someone who has. What I don't know is how all of you deal with it when these two circumstances collide. Obviously before the bank patch it wasn't a massive deal when a member clicked a sex girl only to find themself naked the next day. The character's owner wouldn't be able to raid for a while and eventually they may have to re-enchant and re-gem their gear. Nowadays, however, it seems to be a much larger problem.
Long story short we've had a recent spree of hacked accounts in our guild. The first one to go down was a general raider. It wasn't a huge deal given we have fairly low limits set for that rank (100g and 10 stacks a tab). The hacker was smart about it and did it right before and after the day reset and got 200g and a bunch of mageblood elixirs. Then one of our officers got hacked. They have full access to the bank but luckily he plays way too much for his own good and all they did was make sex women posts until he noticed and changed his info without the hacker logging in-game. The real issue came today when we found out he apparently didn't clean his computer as well as he thought he had. About an hour and a half after the dirty deed was done, we checked our bank to see pretty much everything gone. Most of the guild's gold, raid consumables, and enchanting mats just disappeared. Given how banks work these days it was pretty easy for him to grab the most valuable stuff out of a tab and leave the junk.
My question is twofold. One: what do guilds with much more valuable banks than ours do to safeguard themselves from both irresponsible members and outright thieves? What limits do you set for tabs? Do your raiders all have access to all of the tabs or do your officers have to taxi materials for them? Two: what can Blizzard change to prevent the inevitable account hack from destroying months (or years) of guild resources, especially if it's an officer or a guild leader?
As for our guild, we setup our bank so that all of those of raiding rank had pretty limited access. Guild policy is to sell things to the bank for a lower price than on the AH and for guildies to buy it out of the bank for the same price. I have heard that the devs are considering adding in a feature to set the price of items so it's no longer an honor system and you have to pay the cash to extract an item just like a vendor. This would obviously allow us to eliminate all access from general raiders, but what about safeguarding it against an account hacker on an officer's account? The best thing we could come up with is some sort of in-game password system to actually access the bank. Ideally something like a vault combo that you'd have to click to access so a keylogging program wouldn't have a chance to get it. Something like a set of numbers with an up or down arrow you could click on to set. I'm not overly savy on how some of the keyloggers work but perhaps it wouldn't even be necessary and it'd be too hard for a program to discern the valuable keystrokes once a person logs in and starts talking to people. Regardless of what it is though I do feel the guild bank needs a secondary level of security beyond simply being able to log into the account.
So what do you all do to secure your guild bank? Should something be implemented in-game or does it ultimately end with hoping your raiders don't click stupid shit while using Internet Explorer? If so I can't imagine it's even worth using the guild bank feature at all. It's far too likely that just one person with access does something stupid, and with all of the guild's resources centrally located it's just too easy to lose it all.
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