I ACTUALLY WANT TO KISS YOU. I'm gunna do Pirate Boots now, I'm gunna to a trial run to see if they sell.. and if they do... I'M SELLING ALL MY STUFF AND MAKING BILLIONS OF PENNIES!!!
Whenever you "use-quickly" a bank in Lunar Isle without it on, you get chucked out. However, I discovered if you rightclick on "bank" on the banker it allows you to bank. So to answer your question, no. However for ease I do use it.