This just in from the Official WoW forums - NOT written by me, please see this post for the original writer, Evol from Chupathingy:
Why Guild Banks?
Guild Banks were introduced in patch 2.3 in order to help reduce the need for player created banks, and also to reduce the temptation for %26#8220;account sharing%26#8221; which sometimes happened [...]No tag for this post.
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WoW Guild Banking FAQ Patch 2.3
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