This is one of the challenges of being a gnome necro. You aren't good enough for the good cities, but not evil enough for the evil cities.
I may be wrong about some, but off the top of my head:
Akanon: Non-kos obviously, but the caster guild is KOS (watch out for the little bastard outside the gate, next to the giant clockwork).
Kaladim: KOS
Kelethin: KOS
Felwithe: KOS
Freeport: Apprehensive to the guards in East and West, KOS to the caster guild in west and KOS in the north.
Neriak: Apprehensive/dubious (can't remember which) to the gate guards, KOS for sure to the casters and necros, not sure about warriors/rogues/clerics.
Grobb: KOS
Ogguk: KOS
For banking purposes, on Faydwer, you're pretty much limited to your home town. On Antonica, I think you can bank in Neriak without doing any faction work but I highly advise running in and out invis. There is a roaming member of the necro? guild that will kick your ass. The wine quest is good, as is killing lots of orcs for faction in NFP.
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