It could be done in one fashion or another...
For example....
Lets assume the Red Vardo Traders set up a personal guild account. Implement a NPC to the Offices for people to make deposits, and for certain ranked officers to be able to make withdraws. Anytime there is a change to the bank, two variables are saved to every PC's inventory item currently online as well as a placeable in whatever place the DM's have set up for such. The first variable (RVT_timestamp) marks the day/time in game, the second (RVT_bank) denotes the amount in the account. Modifications to the OnEnter scripts for the module would allow every player who logs in to be checked for the value of the RVT_timestamp and if it is an older day/time than the one presently saved to the placeable, then it updates the PC object to have the current values.
In this fashion, as PC's log back in after a reset, the variable could be read from the PC's and saved to the placeable once more. In the event the first players to log in do not have the most recent variable saved, the OnEnter scripts could overwrite older variables and update the PC objects when a more recent saved variable does log in. Since more often than not during a server crash or reset a fair number of the playerbase logs right back in when it comes up, the chance of a "loss" is unlikely.
Sad thing is, I know how it could work, but don't know enough scripting to write it myself.