Aye the rank member on default don't have the option to set a rally point (or how it was spelled exactly.
Check the ranking tab in the guild window, and select your rank it should show in the lower right corner as last option. If it isn't checked for your rank you can't use the rally banner and wasted 1 platinum to get 2 of them.
In my guild only the officers can use it, and the veteran members.
Originally Posted by Iros Styx
It could be due to your rank, you also need planar charges I think.
No planar charges needed for that guild perk, just the banner and the ability to set that rally point for your rank.