The wine quest in Neriak should allow you to bank. You need to buy a buttload of red wine, invis to the library in 3rd gate, and hand in the wine 4 at a time (some say 1 at a time) to the right NPC there. I forget the name, you can look it up. It will take 2 or 3 backpacks full of stacks of wine to to get where you want to get. You can get to good faction with Merchants, Bankers and outer Neriak Guards. There are some NPCs who will remain KOS, so you must still be careful.
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