It might have been already mentioned so sorry if it was.
But I think the banks (FLC) should be connected to each other.
At least now, it gives me option to get a new account in every city with FLC...
It would be quite useful to have account across all FLC banks, so player would be able to deposit money in one city and get it in another.
Maybe you can make network account costs more (1000?) or make deposits and withdrawals cost some additional money if you withdraw/deposit in other town than the one where you have made your account.