Anybody, whether they're in Zormite or not, can now get an account at the ZRBA. Except that if you're not in Zormite, you can't get loans. Also, if you're not in Zormite, you can't get bank points (yet). What you can do, though, is have a shop.
Shops work by having you sell items. Unlike market stands, you can price your items in diamonds instead of platinum coins. Also unlike market stands, you can price items and carry balances in fractional amounts of platinum coins/diamonds, down to one-onethousandth of a coin/diamond. So you can do things like sell 10000 carrots for 0.015 diamonds each. Also unlike market stands, you can use a search engine to find the lowest price.
The ZRBA now has branches on every kingdom island, so you can have your box be on whatever island you want. Also, all new accounts (and current accounts) start with a balance of 2000 platinum coins.
http://zrba.awardspace.com