On live servers, anybody can have a vendor and bank any zone, at any time. No need to change anything.
I should have access to my bank anywhere in norrath while also being able to sell all items without the use of any vendors. I shouldn't have to buy spells and scribe them, they should just pop into my book. I shouldn't need to get rebuffed every hour, they should just be permanent. The game is just too much work for little old me