If you have an item or money that you would like to make available to other guild members you can send it to Cristalina. She will be the toon used to house the guild bank money and items for the time being.
If you see an item in the bank that you could use please ask Shy and she will get it for you as soon as she can. If you take an item please donate an item. This can be anything you think might be useful to someone else.
The money in the guild fund is for emergency use or funding of large raids and such. It may also be used to help support the clerics if there is a particularly expensive run. However if you need a LOAN for another reason please speak with Shy about it. You may be granted access to the guild funds for loan purposes if you agree to pay it back and give a little extra toward the fund for future use.