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But *which* bank?
It accesses the bank closest to where the character is standing, right? So if you're in Taillteann and all your stuff is in the Dunbarton bank, you'll have to use transfer times?
Has there been much testing done concerning using bank coupons when you're in faraway locations, or places that you have to warp to, or places that are equidistant between towns?
For instance, if you're in Avon. Or in Dugald Isle (which is one zone away from both Dunbarton and Tir Chonail, does it check which "door" you're closer to?). Or Tir Na Nog, or your homestead, etc.