Decided to roll a Cleric

[Eledar]

So I have decided to roll a Cleric... I figured I can play the cleric when I cannot find a group on my rogue. I hear cleric gear is relatively cheap, so I should hopefully be able to afford some decent low level stuff with the money I made getting to 24
I did a little bit of research, and I think I'm going to roll Human/Innoruuk...
Reason is, I want to be able to do the quest for the DE cleric snare neck, and the erudite fear mask. Yeah, I know it seems silly in the grand scheme of things for these 2 items alone; but I always wanted them, and this is my chance.

So, It seems that if i don't turn in the noobie note, I can still bank in nfp. Does anyone know if I still can bank there if I do turn it in? Can I train/bank/buy spells in Neriak if I don't turn it in? And if I do turn it in?