I really like the sort of loan/bank idea. However, I want it to be really strict. Its quite the possibility that some kid will join our clan, rage, and take all the tc from the bank. It will be quite the hassle to contact moderators and all that bs. I suggest only allowing trusted/mature members. Members that have been here for a long time.
Since we aren't drowning in tc, make the max withdrawal like 2k a week? That, is up to you guys.