@David *******
That's what people do, but it won't help if an employee just knows "work permit" and that's it. Many banks have policies where they won't open accounts for foreigners without work permits and the only thing you can do is try another bank or branch of the same bank.
Of course, one should always walk in with a certificate of residence, as that's a firm requirement, but one would think bank staff would tell an applicant "here's what we require" rather than shooing them away (which so often occurs).