Enter the bank, go to the counter, open up a bank account and get a key for your safe deposit box. Enter the three storied side building of the bank (the door to your right from the counter) where all the safe deposit boxes and one vault room filled with gold bars are located and start looting
. Most boxes can't be picked though, but can only be opened with keys.
Damn! I figured I probably should've done that. I opened up an account (As soon as he mentioned my money generating interest I felt a little foolish that I'd spent everything on books before checking the bank out, but such is life. Need some Might and Magic interest on my loot!) and he gave me a key but I didn't ask after that since I thought fuck it, I'll see if I can rob the bank with my current skills. Looted everything behind the front desk and the upper floor last night, broke into a few of the vaults this evening after reading your post. Still might need to raise lockpicking a little (Even with the master perk it's extremely difficult to pick master and expert locks, go through a lot of picks) but yoinked a decent stack of cash out of it.
The opening is kind of rough. I understand some of the general feelings behind it, keeping things more linear to ease the players into the game, but at the same time presumably anyone playing it has already at least played Skyrim so they probably could've dropped you into the meat of the game a little faster. And like you mentioned, the dream sequence I still know absolutely jack shit about other than some of the NPCs thinking it's a bit weird. Might've been nice to have a shorter on-rails portion of the early game but a few more quests to spruce up Riverville and the suncoast. Not chucking a new player into the deep end with Ark immediately but showing a smaller scale of what's to come. Maybe the dream sequence really pays off down the line though, if it's just "Now that makes sense" I'd say it wouldn't be worth it, but maybe it'll be some massive reveal that clicks all the pieces into place.
Also went and did a bunch of undercity wandering. Found a few fences and was able to sell off my stolen loot easily. Also found that merchant's sister and continued his quest which led me into the crypts accidentally (I saw the crypts while I was bounty hunting but I ignored them when I was coming at it from the corpse pit. When I saw an entrance into the crypts from the main city I figured the crypts probably wouldn't be that big and I could just use it as a shortcut. Turns out I was wrong, they were actually pretty large and I got a few levels mowing down a bunch of undead including a lich and walked out with armfuls of treasure) and had a bunch of wild adventure. Undercity's impressively large and a super cool area. That's true of basically all of Enderal but it still impresses me all the time. Does seem odd that the undercity is lit with big fucking spotlights while in Ark-proper there isn't much tech to be seen other than a few cannons.