Don't use the shared bank. Anything put in there will be lost. It is not supported on this server, and if you see it with your UI it is a graphical error.
There was a whole thread dedicated to this debate, but you can check out the wiki. It has a list of what regeneration levels are like at higher levels. Let me see if I can get a link to that thread.
Edit: Link
http://www.project1999.com/forums/sh...d.php?t=129345