A very good idea that i'd like to highlight:
Having a vault keypad appear when you click a guildbank seems like a brilliant idea. Will help against keyloggers, idiocy etc etc, easy to implement, adds realism to game (banks have security right? RP it). The best thing i see about this is it allows friends/family/etc to play chars without risking the guildbank at all, although i can't see blizzard implementing this feature for this reason since they say 'friends playing' is against the rules anyway, last i heard.
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This would be disasterous imho. In theory this would completely nullify keyloggers, it would create a much different risk altogether. From guildies "accidently" giving their number out to lower rank members or even an alt of a nonguildy that somehow slipped into the ranks, to people "forgetting" their code and possibly getting the GM's by accident and taking advantage of it. I'm very trusting of all my members and know something like this would be an extreme rarity, but this would be a bandage with an all new set of problems/exploits.