Sneak will not cancel out when standing up from FD. You can also sneak while FD and have it be effective when you stand up. Just wait for the button to pop back up, if it doesn't after the refresh, means its working.
Also banking in FP as a ikky monk is suicide at your level. The easiest city to blast up faction would be in neriak with the red wine quest.
https://wiki.project1999.com/Bottle_of_Red_Wine
Get about 8 backpacks of red wine and start turning into this guy. Did this both on my necro and monk. If you have not hit the right faction just pay a lowbie to buy you more red wine. Use invis potions to get to the guy and start turning in. Make certain when you stand in the room with him you are not in line of sight with any other people in the library and the door is closed. Your merchant faction will max out loooooong before guard faction.
This will make you non KoS to pretty much the important places you would need to go to (foreign quarter and commons). However the clerics will still try to murder your face, just be careful and be ready to FD at a moments notice.