Abstract: Agency banking has become one of the essential services in the banking sector in bringing their services closer to the people at the grass-root or in remote areas where brick and mortar branches are not present. This study focused on the role of agency banking in providing and availing the banking services to the customers’ .The purpose of the study was to explore the functionality and contribution of agency banking. This study assessed the Role of agency banking in increasing accessibility to banking services and helping in decongesting the banking halls in Kitui central district, through an analysis of the costs and benefits raised by agency banking and how these are distributed among the stakeholders.