fix banking db calls, add permission check for settings command

structures/bank.js

@@ -29,7 +29,7 @@ function addBank(guilds, guildID, userID, client, startingBalance) {
     }
   }
 
-  client.dbo.collection("banking").updateOne({"banking.userID":userID}, {$set: {"banking.guilds": updatedGuilds}}, function(err, res) {
+  client.dbo.collection("banks").updateOne({"banking.userID":userID}, {$set: {"banking.guilds": updatedGuilds}}, function(err, res) {
     if (err) return false
   })
   return true