Completley forgot to explain how the guild favor would work for members, duh.
put it in the original post.
Edit: Guild favor points would then be spendable at a rate of 1 pt per 1 Gp of items value in the guild bank, thus if you put in 300K gp worth of items/loose change, you could take out a +1 tome of 30K value some one else put in (if guild leader keeps the basic 10:1 ratio; but the 1:1 ratio of withdrawal would be set, non changeable). Also a log of these transactions would be kept by the banker, that lasts say 48 hours, so the guild can see who deposted what, and what the leader sold off for coinage to stash. The leader of the guild would have to have the ability to auto sell stuff in the stash, without ever removing it. The sell rate would be same as a barkeep, with haggle of +0. This would add coin to stash for rent, other hall upgrades.