I don't know if this has been brought up before, but heres my suggestion.
Banks should be account banks, instead of individual charactor banks. So say you are using a fixer and find a really nice nano for your nanotech, most people would have a friend hold on to it while they switch charactors and then give it back (I believe). What I'm saying is that you should just be able to drop it in the bank and then log as another of your charactors and pick it up. This would help those of us who do not have a large pool of friends online to act as temp banks.
As for nodrops, i guess when you put it in the bank you could flag it as belonging to a certain charactor, and only allow the owner to take it out.
(Pardon my ignorance if something like this exists in the game, I have not played as much as most people yet, still a noob)