If you go in through the sewer from East Freeport, you'll be able to con a guard from a distance to check faction.
I was KOS the first time I visited, but that was from slaughtering bards and not indicative of starting faction.
Even if you're KOS, you can run invis into the back of the bank, stand behind the bankers in the corner furthest from Sir Costkin, and use the bank without gaining aggro.
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