The guild bank is stored in the memory of that instance of that zone. While deposits/withdrawals etc are written to the database immediately, there is no mechanism to inform Guild Bankers in other zones to refresh their in-memory copies when changes are made.
Without that restriction, item duplication would be rampant.
While you might not like it, I believe it is live-like, and I really didn't feel like spending the extra hours required to allow the facility to have multiple guild bankers.
With the way inter-zone communication is handled via packets, assuring accurate synchronisation between zones is virtually impossible, without putting guild banks in shared memory and using mutexes to access them, and the facility to easily do that is not currently there. (It is technically possible).
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