Sneaking behind a merchant makes you indifferent and therefore allows you to use it no matter what your faction is. Also, you don't need to sneak to use a bank. Bankers do not work like merchants, you can click them and bank while they are attacking you. If you are a monk you can click the banker then FD. Trying to raise faction seems like a waste of time to me if you use these tricks, but if it's something you want to do go for it.
Also about vendor prices, charisma and faction both effect the prices you get. The highest a vendor will pay is indifferent at around 200 charisma I think?
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Sunnyvale Trailerpark, 60 Enchanter
Flipadelphia Flipcup, 60 Rogue
<The Mystical Order>
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