Lack of shared bank for the guildless :(

[Odeseus]

For transferring items, unless there is someone I really trust nearby, I simply move the toon with the items to some really obscure place. Middle of the Innothule Swamp works well, since rarely do people go wandering around there. Or an out of the way building in Qeynos works well too. Then I log the toon I want to transfer to and run them to the same spot, log to original toon, drop item, log to 2nd toon, pick up item.

As a mage, this has worked well for giving alts massive stacks of bandages, food, water, weapons and jewelry. Takes more time than finding someone to do a transfer (most of the time) but is just about as safe if you take precautions.

[Swindle]

I used to pass tons of summoned pet weapons and such to pals then we'd duel kill them in a handy location and they could store stuff for a week that way. Visit corpse whenever you needed more items