@Ma**
an ED visa isnt a tourist visa and its very easy to open an account on an ED visa, youre comparing apples to oranges. The vast majority of people opening banks on tourist visas are having to use an agent because of banking regulation changes over the last few years. The vast majority of banks will outright refuse anyone on a tourist visa or its equivalent, sure you probably can find a bank that will accept it, but it's going to take you days on end and probably more money than paying an agent as the ones that do, will likely require you to purchase insurance.