All you need to do is to press the up button on the wall then an elevator will come down. Press the up button then you'll go to the upper floor
You repay the loan (in full only) at the same place you borrowed it. The loan officer is on the second floor of the bank, the far right at Golden Harbor.
Use the elevator, Because it is slow to come down, press the call button when you first go in the bank, or before getting the last two downstairs clones.
The bank is the Golden Harbor Bank, all the way to the right at Golden Harbor. The loan officer grants and collects loans and she is on the second floor.
The elevator is in the bank. Before going to the vault to confront Copycat, stop and call the elevator down. This will save time when you need to get to the second floor.
The loan officer grants and collects loans. She is on the second floor of the Golden Harbor Bank at Golden Harbor (all the way to the right side).
The bank is on the second floor of the Crimson Raiders HQ in Sanctuary. It looks like a giant bank vault door.
The elevator is on the right side inside the bank. Before going to the vault to confront Copycat, stop and call the elevator down. This will save time when you need to get to the second floor.
You click the elevator button and hop into it
Copycat makes 9 copies of herself, and there are apparently 5 of her on each floor of the bank. You have to catch all of them. The copies disappear when you hit them, and you can only handcuff the last one, the real Copycat. The one that is easily overlooked is on the light directly above the bank vault door. Get that one and the others downstairs, then go up the elevator to the second floor. You can save time if you press the "up" button when you first enter the bank, or before you catch the one on the light next to the elevator.
The last one you find is always the real one. Usually this will be the one at the far left on the second floor of the bank. There are 9 duplicates and the real one: 5 are downstairs and 5 are upstairs. The problem most players encounter is that they overlook the copy that is on top of the light by the bank vault door. This should be the first (or second) one you get. (see related question)
The bank on Skullduggery Island is the Golden Harbor Bank, located in the Arabic-themed port at the lower right on the island map.
Copycat splits into 10 copies when you try to catch her, and some of them go to the second floor of the bank. The trick is that there is one copy hiding on the light above the bank vault door. Jump up and catch that one, the others on the first floor including the one atop the light near the elevator. Then catch the others upstairs, the last one of which is the real Copycat. *To save valuable time in the smoke, call the elevator down when you first enter the bank, or before you jump to get the copy on the light near the elevator.