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I've thought about an implementation for a DKP cap, and I find the concept extremely difficult to handle in an automated way, simply because if there are errors in entering (if someone charges too much for an item, or vice versa) or if raids are calculated but the items haven't been entered yet and someone is over the cap, the system has know way of knowing that those items haven't yet been recorded.
The only remotely automated system I can see working is having some kind of notification of "Hey, you have members over the DKP cap" which would then show you who is over, and finally give the option to move all those members down to the Cap via Adjustments.
For now, however, until that functionality is fully worked out, you'll want to manually add adjustments for those over the cap. Hopefully that won't happen too often that it becomes a burden, and if it does, that probably means that you have to raise the cap or take some kinda action within the guild to remedy that.
And for the guild bank thinger....hmmm...I'll have to think about the implementation of that one.
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The day Microsoft makes a product that doesn't suck is the day they make a vacuum cleaner.
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It's all in the reflexes.