Why are 23rd century toons unable to access the account bank? Is this a bug or intentional. If intentional I think it's cruel, as the ability to transfer funds and gear should not be limited - it's not in the 25th century.
People ask how long have I been playing STO - well the answer is simple: I have been here since the beginning. I just haven't always had a lot to say.
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https://www.arcgames.com/en/forums/startrekonline#/discussion/1260439/cant-access-account-bank
RRF characters must also play their initial storylines and choose a side.
Jem'Hadar don't get access until they reach and play "Home".
2250s and 2260s characters (DSC & TOS) must also encounter a permanent temporal displacement, and report to Admiral Quinn.
Personally I think that's just an excuse. You are Starfleet through and through.
Rake back through the STO Twitter feed if you want to find it...
That's semantics, unlike the Romulans and the Jemhadar you have to choose a faction to be a part of. Starfleet 2250 & 2260 offers no choice. You are Starfleet, and remain Starfleet, timeskip not withstanding.