There isn't a bank in the static sense as before; however, all of the bank features (except loans) are implemented in a more dynamic way (to enable multiple currencies to use them vs a single static one) - plus your existing bank accounts will carry over from the 1.x version.
See vbc2_currency_panel screenshot for what the member transaction log looks like. Clicking any of the numbers pops open the transfer box I mentioned in my previous post, except that feature is available anywhere currency is shown (postbits, profiles, etc)
Do you have a testing board perhaps? I guess, in the long run, if you and your users are happy with the current version and your issue isn't happening, just keep using it.
I will say that in the ~year that this version has been available to many users, not a single complaint of unexplained currency loss/gain, especially because it keeps detailed logs of every movement of credits.
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