I would suspect that the Bank isn't there because you don't have positive points, so you can't deposit any. A bit like how prices aren't displayed until you can afford them. The Bank seems more trouble than it's worth, to be honest.
I checked my purchase history and it appears all my points are there. I still don't know how I deposited money into the bank and got a negative balance, even though I have over 10000 points. Anyway, thanks guys.