Banker will be on the Merchant faction in the future, he is currently still on Clurg (incorrectly). It's called Fresh Baked Muffins --
http://everquest.allakhazam.com/db/q...tml?quest=1262
Talk to Innkeep Morpa in Feerrott and get the crate from her, fill it with 10 fresh baked muffins (storebought will not work) and turn it in. You'll get +2 per 10 muffins. As a Half Elf Agnostic Bard it took me 15,000 muffins to reach max ally -- so figure I started at -3000. Could be better if you're human or worse if you're wood elf. About 1/3rd of that should be good enough for just being non-KOS... maybe even 1/4th. 3500 muffins should do it.
I joined Dial a Port for about a month as the guild chat was the easiest way to buy foraged fruits in mass quantities.
Aalderon also had the head of the Cracked Staff Artisans assisting.
https://www.project1999.com/forums/s...d.php?t=254266
When the faction revamp/fix is finished you shouldn't have an issue with the merchants or guards at all in dark elf form, anyway. Unless you've done some killing.