Anybody who knows anything about the data folder and crash history from using older files should know that you need to remove these items upon a new patch/update. 99% of the time, one or more of the db files is going to be updated in the patch. If you have yet to realize this yet, you're a major nub at modding and should learn on your own.
Also, logic.. really? Did you not read the premium service update post? Lrn2read, smart one. The only mod that so far has been released, but not working in some packs, that relates to the bank, is the always use bank tabs mod. It allows you to use the tabs and use your other characters bank service on any character of your account. I laugh at your idiocy and false epiphany.