People who keep on promoting the use of agents are either very old or infirm, in which case entirely understandable, or they cannot meet the legal requirements, or they have a vested interest in the agency 'business', or they are too lazy to get off their backside. I would suggest you walk into as many banks as you can find in your area and try your luck. It can work every now and again. I have 3 accounts at SCB. They are pretty tough on requirements, and they don't have a branch at CW, so maybe give them a miss.