I had an idea to improve the banking system. When you first go to a bank you get given a ledger book for that specific bank, which you can use to fire up the conversation for the banker, but you can only use it to tell you how much gold you have in the bank. Also when you speak to the bank clerk, there is an option to deposit all gold into bank, which takes all your gold and deposits it once your warned how much tax that would be, and you have another option to withdraw all the cold from your account, this would be along side the current option of speaking specific amounts with deposits and with drawls.
It would make the process of banking a little smoother, and would help keep track of your bank balance without having to note it down in your character journal.