@Greg ********
How does an agent open a bank account? Do you know anyone whos really done that? Part of the process is to verify who you are, this involves the bank checking your non o visa, taking your picture, verifing your address, and whatever the local bank manager decides whats neccessary to prevent fraud, IF an agent could do this illegal you would face the account being closed later when you wanted to change something on the account when they check the bank account details.