Don't worry about banking. You can bank even with a kos banker, either while FD next to him or while around a corner so he doesn't have line of sight to aggro you (you can still click on him to use as long as you're close, even if you don't have line of sight). Selling isn't a big deal usually; there are a lot of neutral/evil merchants tucked away in most zones.
I like gnomes personally. Their small size makes it easy to maneuver in tight spaces most dungeons have, and they can see through walls to assist with pulling and stuff. They get tinkering if you're interested in that, and have infravision and acceptable int. Erudites have the highest int but no night vision. Either works fine, really. Iksar is the best race for necros but any race makes a potent necro.
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