Yep. About a week ago, I asked a really outstanding person (who deserves all the love in the world, IMO) for help with my bank, to which she told me that there was something wrong with either the oto file or just the bank in general.

So now, after re-recording all the standard notes through Oremo, I have a bank again. Currently editing the oto atm (may ask her for help again if I fail at oto'ing again XD) and hoping Utau doesn't pull an Ed on me. owo