Hello! I had touble banking too. (and i had insider info with the chat channels)
to talk in the general channel, type this:
/1 <insert spammy message here>
Erm, just teasing about the spam. But i have it turned off. I have a few friends that are also in the game. We used my old linkshell name as a chat channel.
To turn off a chat channel type this:
/leave 1
(I think)
The trick to banking is that it's just for items. Talk to the guy then drag your expensive items, or things you are saving. (I'd advise against banking quest items unless you like running)
Crafting materials are a good thing to bank early on as well. For me i synthed ~50-60 bolts of linen cloth before i really made anything with them.
You can have an unlimited amount of money, so there is no need to bank it. I don't see why most games bank money anyways.