the bank is where you can store your points to accumulate interest. you can buy a new second title under juggalo6772, you can buy a topic to be a sticky, which will make it always remain at the top of the specific thread or forum.
you can buy the ability to outline your name or add different effects to your name, there are different things you can buy. I have something like 31000 points in my bank and will use them to make bets during the upcoming season.
ellis, i don't think the points get interest in the bank. I could be wrong, but i put some in there last season and i'm pretty sure they didn't get any interest.
I put some points in there awhile ago and each day id was getting bigger without me even depositing more. so now I put all my points in the bank, i get tons extra each day because I have so much in there.