Let me guess that whatever's in the fleet bank is some silly array of rare or very rare gear that will be given to "help" you improve your performance.
If so, know that this gear is completely useless as by level 45 you'll be loaded with anti-Borg weapons which are free and untradable. Blue quality stuff is more or less inexpensive on the Exchange.
Instead of embarrassing people with nonsensical 'social' tasks, fleets should work on player development so that everyone knows where to get the good stuff. And then there will be no need to send people out on carrot and stick games.
What's next, "spend $20 on Zen and spam Ten Forward with fleet invites so we can promote you"? Oh wait, I've seen that before too!
STF Flight Instructor since Early 2012. Newbies are the reason why STO lives and breathes today. Do not discriminate.