Originally Posted by Praetorian
I've tried to limit exposure without unduly hampering convenience. Only raiders can withdraw from the raid tab, only raid gemcutters (3-4 people) can withdraw from the gems tab, withdrawal amounts are capped so that one person can't clean out the whole bank. At worst they could pick the three most valuable stacks out of dozens, but that wouldn't be terrible. I have a private tab that only I have access to where I keep most of the expensive stuff, and I keep 95% of our gold onhand on an alt. If I get hacked, we're screwed, but that's been the case since day one really.
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That's pretty much exactly how we do it. All but 10g is on my old bank alt, there is one consumables tab that my 3 top tier officers have access to (10 stacks) and everything else is on other tabs for organization. I have high enough play time that I can mail stuff, or I can move it to the consumables tab if they absolutely need it now (the sellable gems, a stack of hearts, and 1 of each sellable pattern) ~ so the majors can continue on if I am away for a week. Each day I check the bank and transactions and move any deposited gold to my alt. Since we do a 'bounty' style of gold reimbursement for new boss kills (raiders are actually >making< gold since we started farming T6 in 9 hours or less) I don't have to keep gold up for repairs. After each raid I stay online for 10-30 minutes giving out gems and handling other requests.
Nobody, not a single person, has my account info. I've worked very hard to build up my guild bank since I took over as GM, nobody is going to steal it from me, dammit.