You don't, at the bank vault. But you will soon.
As you leave the bank, the newspaper is publishing your photo of the Cemetery Specter. More importantly, a boat arrives at the beach near the Inn and you can travel to the lighthouse and to the prison, where the ghost's identity will be revealed. Get some Hot Cross Buns from the bakery. You will need them to contact the ghost of the prison's warden.
i really don't know
you go to the bank and 'use' the money. Use the thermal camera under the dog when it starts matting and growling at the floor and after you talk to the guard. You shall see a ghost. I guarantee it.
after the bank is closed jane the banker is now jane the baker go to the gingerbread house and say fiona sent you :)
u go to the game in the map instead of the island and talk to the girl then she will give u all u need to catch ghosts.
At the upper left, above the lighthouse. You can only search the reef after you talk to the ghost lighthouse keeper and use the searchlight.
Go inside the newspaper office and talk to the editor. The archives are down in the basement.
go to the abandoned house and go to fionas bed and talk to her.
If you move the bed, you find the tunnel dug by the Forger, who unfortunately could not find a way out. You talk to his ghost, and then use the pickax that he was using to make your escape from the cell.
After you have the photo of the Cemetery Spectre, you can go to lot B to talk to the Engraver, or just head back to the Herald to sell your photo.
Take it back to the old house. She should still be there. As soon as you talk to her, she gets the forged letter and the locket.
go tp the hemlock herald and talk to the guy/girl and ask to see the archive
talk to the guy by the lake for the second time he will be arrested and the binoculars are by his tent. click them and they will be added to your inventory. next go to your inventory and click on the and they will show you the lady in the window