THE MAP IN GENERAL
I used a paint program and a snipping tool to piece together this larger map from the large radar map in the game. If you would like a copy of the original PNG file then just leave a reply to let me know. I tried to accurately mark the locations of the spirit stones. The marks for banks and other things are just kind of tossed around the general city/area that they are in. I hope you have fun exploring Moon Haven.
SPIRIT STONES
I tried to accurately mark the locations of the spirit stones. If I missed one please leave a reply and let me know where to mark the missing stone at on the map.
BANKS
Most of the banks are exactly where you would expect them to be. They are in large buildings in large towns. But a few of them pop up in less traditional locations. The Blacknook bank is in a cave near the town's blacksmith shop. There is a bank box in the Sky Top Ruins area. It is at the camp with the good aligned NPCs. There is also a bank box at the Crystalmarsh Tower. I believe that it is on the left side of the first floor.
GOOD, NEUTRAL, AND EVIL AREAS
Some areas are color coded with asterics (green = good, orange = neutral, and red = evil) that tell you what alignment the NPCs will have in the area (exceptions like the evil aligned witch in the mostly neutral town of Wolfhaven exist). Good NPCs do not sell/buy with evil players. Good NPCs will immediately attack evil players. Evil NPCs do not sell/buy with good players. Evil NPCs will immediately attack good and neutral players. Neutral NPCs will sell/buy with any player. Neutral NPCs do not fight unless you give them a reason to fight (unless they are a neutral monster . . . they try to kill everything).
If you need your SP recharged then you have to go see the appropriate NPC for your character's alignment. The Druids at Mystone will help anyone. Good characters go see reverends, evil characters go see dark priests, and as far as I know only druids will help neutral characters (I guess the forces of good and evil don't like players who sit on the fence).
PROTECTED AREAS
There are three walled towns marked with hash tags (#). These towns have lots of guards and they will put you in jail if they feel like it (attack a guard and then wait 7 seconds). After you do your time in jail they release you back into the wild. They actually teleport you out into the middle of nowhere and leave you stranded. The towns that are not protected do not have jails. So, if you want to harass NPCs then go to a place like Blacknook or Oakpass.