Orcs give faction with some stuff in Freeport but I don't know about getting to bank there. I know I've seen a guide for getting in nice with other cities but all I can find is this page of faction quests:
http://wiki.project1999.com/Faction
My original main was a Troll warrior and, yes, it's a rough journey. You're dependent on gear and on groups. I would recommend heading back to your swamp and hitting up Guk. Guk is (IMO) the best, funnest dungeon in the game. There is some stuff in there, like the crocodiles near the heart spiders, that in a few levels you can reliably solo for a bit. And people group there plenty. Other options are South Ro and Oasis once you're 10ish.
Edit: Ah, here's the faction guide:
http://mentalized.net/journal/2003/0...-infiltration/