1) No global chat channels except for guild chat, but that's only to your guild members (if you are in a guild).
Shout is for general purpose announcements, getting peoples attention, "in character" chat although not many people really RP here. Zone wide.
OOC is for everything else, camp checks (to see if a camp is taken), announcements that people didn't feel like shouting. Zone wide.
Auction is specifically for buying, selling, trading. Zone wide. Go to East Commonlands if you want to see the trade hub of the server.
Guild chat is server wide.
Group chat is zone wide.
Say is for talking to people in your near vicinity. I don't know the exact range but it's roughly the range of how far you can cast most spells.
You can make custom macros by right clicking the pre built ones (that say like AFK, GM List, .etc) in your ability window. That should open up a window with up to 5 blank lines for you to edit. You can even do custom emotes with the /em command, e.g. /em thinks it's about time to head out.
2) There is a bank in every city. The freeport bank is in the zone North Freeport. It's hard to navigate for a newbie, ask in OOC or Shout for help finding the bank, then right click a banker. Keep in mind the banks are global, so if you 'deposit' something in the freeport bank, you'll be able to withdraw it from any other bank in Norrah. However, banks are not shared between characters, so if you want to give items from one of your characters to another, you'll need the assistance of another player to trade it for you.
3) That's a hard question, and one that gets asked quite a bit by new players. I suggest checking out the other threads in this forum for advice. In general people say "pick a spellcaster for your first class" as melee classes are more heavily gear dependent, and as a newbie you won't be rich. Necromancer is a good choice for your first class, but I highly recommend you reroll Iksar. They get innate hp regen that increases as you level and it's invaluable for counteracting the hp drain on your lich line of spells, a key feature of that class.
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