My girlfriend & I are playing Online Co-Op & when we unlocked the bank I could use and she could not.
She then went onto her own story and she could use it(she never clicked to use it) & I had her invite me to see if I could use it I could and did, and when I did it told her that she couldn’t use it again.
Back to me hosting the game I don’t open the bank at all, and invite her to see if she could use it. She could and did, but after she did I then couldn’t use it.
It’s not a problem right now for us I guess since we read about people losing everything so we aren’t using the bank but still.