PESGaming

Ok I have just resently started using a lot of the new features and I am finding some of it confusing. Like when you use the bank, do you just put money into it to store it cause you can't have all the money you want with you? Or does the bank do something with it?
When you donate points are you donating them to Administrators to use? Or are you donating to someone who wants/needs them for some odd reason?
There is also something about Accessing Joinable Forums. What is that? I did a search for answers but came up kinda lost, so if someone could please try to answer my questions that would be cool.