Bank placement (trick)
Bank in temperate, arctic and tropical environments require two houses on the same level (without concrete terraforming) to be built on. The most efficient way to input gold or valuables would be a station completely outside the town center. Since the bank requires two houses, it cannot be placed somewhere far away, like 30 or 40 tiles from center. When town approaches 2500 inhabitants, pick two houses somehwere on the outer side of town.
In below picture, a good spot is shown to place a bank, at the outermost location of the town where two houses are present.