diff --git a/common/ruletypes.h b/common/ruletypes.h
index 159335f50..0f8c3eb2c 100644
--- a/common/ruletypes.h
+++ b/common/ruletypes.h
@@ -909,6 +909,7 @@ RULE_BOOL(Inventory, AllowAnyWeaponTransformation, false, "Weapons can use any w
 RULE_BOOL(Inventory, TransformSummonedBags, false, "Transforms summoned bags into disenchanted ones instead of deleting")
 RULE_BOOL(Inventory, AllowMultipleOfSameAugment, false, "Allows multiple of the same augment to be placed in an item via #augmentitem or MQ2, set to true to allow")
 RULE_INT(Inventory, AlternateAugmentationSealer, 53, "Allows RoF+ clients to augment items from a special container type")
+RULE_BOOL(Inventory, LazyLoadBank, true, "Don't load bank during zoning, only when in proximinity to a banker. May increase zone speed and stability")
 RULE_CATEGORY_END()
 
 RULE_CATEGORY(Client)
diff --git a/zone/client.cpp b/zone/client.cpp
index 4b705e24e..d272c5a26 100644
--- a/zone/client.cpp
+++ b/zone/client.cpp
@@ -185,7 +185,8 @@ Client::Client(EQStreamInterface *ieqs) : Mob(
   position_update_timer(10000),
   consent_throttle_timer(2000),
   tmSitting(0),
-  parcel_timer(RuleI(Parcel, ParcelDeliveryDelay))
+  parcel_timer(RuleI(Parcel, ParcelDeliveryDelay)),
+  lazy_load_bank_check_timer(1000)
 {
 	for (auto client_filter = FilterNone; client_filter < _FilterCount; client_filter = eqFilterType(client_filter + 1)) {
 		SetFilter(client_filter, FilterShow);
@@ -391,7 +392,6 @@ Client::Client(EQStreamInterface *ieqs) : Mob(
 	SetBotPrecombat(false);
 
 	AI_Init();
-
 }
 
 Client::~Client() {
diff --git a/zone/client.h b/zone/client.h
index 1eefb3737..0336798ba 100644
--- a/zone/client.h
+++ b/zone/client.h
@@ -2056,6 +2056,10 @@ private:
 	Timer task_request_timer;
 	Timer pick_lock_timer;
 	Timer parcel_timer;	//Used to limit the number of parcels to one every 30 seconds (default).  Changable via rule.
+	Timer lazy_load_bank_check_timer;
+
+	bool m_lazy_load_bank            = false;
+	int  m_lazy_load_sent_bank_slots = 0;
 
 	glm::vec3 m_Proximity;
 	glm::vec4 last_position_before_bulk_update;
@@ -2175,7 +2179,6 @@ private:
 	bool m_has_quest_compass = false;
 	std::vector<uint32_t> m_dynamic_zone_ids;
 
-
 public:
 	enum BotOwnerOption : size_t {
 		booDeathMarquee,
diff --git a/zone/client_process.cpp b/zone/client_process.cpp
index 532669476..87bf39626 100644
--- a/zone/client_process.cpp
+++ b/zone/client_process.cpp
@@ -289,6 +289,37 @@ bool Client::Process() {
 			entity_list.ScanCloseMobs(close_mobs, this, IsMoving());
 		}
 
+		if (RuleB(Inventory, LazyLoadBank)) {
+			// poll once a second to see if we are close to a banker and we haven't loaded the bank yet
+			if (!m_lazy_load_bank && lazy_load_bank_check_timer.Check()) {
+				if (m_lazy_load_sent_bank_slots <= EQ::invslot::SHARED_BANK_END && IsCloseToBanker()) {
+					m_lazy_load_bank = true;
+					lazy_load_bank_check_timer.Disable();
+				}
+			}
+
+			if (m_lazy_load_bank && m_lazy_load_sent_bank_slots <= EQ::invslot::SHARED_BANK_END) {
+				const EQ::ItemInstance *inst = nullptr;
+
+				// Jump the gaps
+				if (m_lazy_load_sent_bank_slots < EQ::invslot::BANK_BEGIN) {
+					m_lazy_load_sent_bank_slots = EQ::invslot::BANK_BEGIN;
+				}
+				else if (m_lazy_load_sent_bank_slots > EQ::invslot::BANK_END &&
+						 m_lazy_load_sent_bank_slots < EQ::invslot::SHARED_BANK_BEGIN) {
+					m_lazy_load_sent_bank_slots = EQ::invslot::SHARED_BANK_BEGIN;
+				}
+				else {
+					m_lazy_load_sent_bank_slots++;
+				}
+
+				inst = m_inv[m_lazy_load_sent_bank_slots];
+				if (inst) {
+					SendItemPacket(m_lazy_load_sent_bank_slots, inst, ItemPacketType::ItemPacketTrade);
+				}
+			}
+		}
+
 		bool may_use_attacks = false;
 		/*
 			Things which prevent us from attacking:
@@ -780,39 +811,41 @@ void Client::BulkSendInventoryItems()
 		last_pos = ob.tellp();
 	}
 
-	// Bank items
-	for (int16 slot_id = EQ::invslot::BANK_BEGIN; slot_id <= EQ::invslot::BANK_END; slot_id++) {
-		const EQ::ItemInstance* inst = m_inv[slot_id];
-		if (!inst)
-			continue;
+    if (!RuleB(Inventory, LazyLoadBank)) {
+        // Bank items
+        for (int16 slot_id = EQ::invslot::BANK_BEGIN; slot_id <= EQ::invslot::BANK_END; slot_id++) {
+            const EQ::ItemInstance* inst = m_inv[slot_id];
+            if (!inst)
+                continue;
 
-		inst->Serialize(ob, slot_id);
+            inst->Serialize(ob, slot_id);
 
-		if (ob.tellp() == last_pos)
-			LogInventory("Serialization failed on item slot [{}] during BulkSendInventoryItems. Item skipped", slot_id);
+            if (ob.tellp() == last_pos)
+                LogInventory("Serialization failed on item slot [{}] during BulkSendInventoryItems. Item skipped", slot_id);
 
-		last_pos = ob.tellp();
-	}
+            last_pos = ob.tellp();
+        }
 
-	// SharedBank items
-	for (int16 slot_id = EQ::invslot::SHARED_BANK_BEGIN; slot_id <= EQ::invslot::SHARED_BANK_END; slot_id++) {
-		const EQ::ItemInstance* inst = m_inv[slot_id];
-		if (!inst)
-			continue;
+        // SharedBank items
+        for (int16 slot_id = EQ::invslot::SHARED_BANK_BEGIN; slot_id <= EQ::invslot::SHARED_BANK_END; slot_id++) {
+            const EQ::ItemInstance* inst = m_inv[slot_id];
+            if (!inst)
+                continue;
 
-		inst->Serialize(ob, slot_id);
+            inst->Serialize(ob, slot_id);
 
-		if (ob.tellp() == last_pos)
-			LogInventory("Serialization failed on item slot [{}] during BulkSendInventoryItems. Item skipped", slot_id);
+            if (ob.tellp() == last_pos)
+                LogInventory("Serialization failed on item slot [{}] during BulkSendInventoryItems. Item skipped", slot_id);
 
-		last_pos = ob.tellp();
-	}
+            last_pos = ob.tellp();
+        }
+    }
 
-	auto outapp = new EQApplicationPacket(OP_CharInventory);
-	outapp->size = ob.size();
-	outapp->pBuffer = ob.detach();
-	QueuePacket(outapp);
-	safe_delete(outapp);
+    auto outapp = new EQApplicationPacket(OP_CharInventory);
+    outapp->size = ob.size();
+    outapp->pBuffer = ob.detach();
+    QueuePacket(outapp);
+    safe_delete(outapp);
 }
 
 void Client::BulkSendMerchantInventory(int merchant_id, int npcid) {