In our old FC (swapped to a 3man one now) we had new joiners may deposit on page 1 but cannot take. If they need something there are enough high ranks with access to pages. If they proven worth it (we tried to rank all 2-3 weeks) they got to next rank with full access page 1; next rank had access page 2 and highest rank had page 3 and crystals. Only FC lead and council had access to take gil for stuff for FC. We also had a special rank for a handful people that got action rights and gardening/airship were "ranks on demand".
Mostly took over the rights system to my new FC (except that my 2 "officers" have ALL rights possible like changing rank names and rights which we didnt have for council in old FC) in case we ever grow