Guild Bank is "on its way" I believe.
I would like to see NPC's in the cities with some movement to them. Robots and people roaming around would be nice to see.
Also, player housing of some that I can decorate would be amazing!. SWG had it perfect. EQ2 had it fine. WoW never had it. SWTOR has player ships, which are nice, but cannot be changed. Give me a house on some planet that I can decorate a bit. FYI, a Free to Play game named Runes of Magic (WoW clone, btw) had a very good implementation. It doesn't need to be blight system like SWG. Instance based, like our ships, is fine.