I have an urgent question regarding what transfers with you that I need to know the answer to. If it has already been answered in this thread, I apologize in advance; I don't check out the forums much.

Okay, so when you transfer your characters, will all of the items that are in that character's vault (regular bank storage, not shared storage) also transfer with them, including both character bound items and non-bound items? If not, does this mean you will have to take all of your items out of your storage vault and put them in your inventory in order to take them with you? My characters have nowhere near enough room in their inventory to be able to take everything with them if that's the case. What also has me scared is that my server, Dwarrowdelf is more on the inactive, low population side, and it is highly likely that it will be one of the servers closed down. I'm thinking of creating a few extra characters ahead of time so that I will be able to use them as mules to help me move some of my stuff. I have to hurry though before Turbine closes down the creation of new characters on August 3. Am I missing something and I'm just afraid for no reason, or is it a good idea for me to do what I'm doing? One more question, when you transfer, will you lose all of your money in your wallet and the only things from your wallet you keep will be server bound items?