The Guild Bank!Well im sure that its not only our guild that has one in the guild holding some fg for the guild donated by members.
In our guild we spend "the guild fg" on D2 classic rush sorc, new member slots, own ranks, guild tournaments, rewards etc...
But here is the problem and what i suggest can be done to fix this.
There is only one that has access to "the guild fg" so if he/she is not on you cant get access to the guild fg until he/she is back on.
Manageing your own fg+the guilds can be hard for some, if they trade alot them self and lose count on whats the guilds and your own.
The guild owner can, manage who can have access to the guilds fg. as i have made an example of on the picture under.

All can send a donation to the guild bank and see how much fg the guild has in its bank from time to time+check the guild log to see what it has been spent on.

Other things that could be changed/added:only guild members can see the guilds fg.
The fg spent will be showed on the guild log/so will donations.
Donations from each member will stand next to there name on "Edit Member Ranks"
Maybe a "vote" where it has to be over 51% of the votes (from members that have access to manage guild bank)
meaning. so not one member has "veto" on the fg. must be 2/3 etc to "unlock/spend" the fg.
could be something like the picture under, where members have to get the request accepted by over 50% of the "bankers"
Requestion fg for something as shown on the picture under.
