How to use a bank in Neverwinter without being in a guild?
I read that it is possible to deposit up to 16 items in bank, but when I approach the bank in Protector's Enclave it denies me access for "not being in a guild"
Is it possible to use the bank to store items without being in a guild, and if yes, how?
Yes, it is possible to use the bank without being in a guild. When you approach the bank, the NPC in the center is the Guild Banker, used to access guild-only storage; to his left and right (in yellow below) are two other NPCs you can approach, who are the regular bankers, used to access your personal storage.