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1. There is only one bank in Gael Serran. It does not matter where you deposit your gold. It will be available for withdrawing in each town. Therefore, yes, you can deposit your gold in Valeia and then withdraw in Ishad N'Ha all your deposited gold gold.
2. All magic schools are native to warlocks but only Moon and Fiend magic is given to warlocks. Therefore:
a) Yes, the warlock will be able to learn Fire and Stone spells as if he were a mage.
b) If the warlock already knows Spirit and Vine magic then he will be able to learn Spirit and Vine spells as if he were a priest.
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My name is Demon\'s Last Day. Yes, the last one.
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