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Theres probably a glitch floating around to do it though.
But yes, the money in the bank account transfers, or rather it is shared between both characters. There is no real transfer between them, they share the bank account, it's always the same for both. If one extracts money from the bank, it is exctracted for the other as well.
As mentioned, the bank account is shared between characters, so you can bank all your money on your current char, then create a second one as the opposite gender and have all the money. You'd have to buy all the stuff anew, as that don't transfer though.
Players are now able to copy the Rank of their existing character into the second character slot when creating a new character. The Rank has been capped at 120.
As for gender - there's a bunch of users here that used to post feminine men and masculine female (hah, like they had to try hard there) screenshots.
Oh. Didn't know this. Nice. Not that I ever need it, but still, nice. Okay, my bad for not reading stuff.