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 focuses on the role of agency banking in providing and availing the banking services to the customers. The purpose is 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. The researcher was guided by the following objectives:- To investigate the cost of banking transactions through agency banking, to investigate the efficiency of agency banking in time saving ,to investigate the convenience of banking products offered through agency banking and to investigate if availability of bank agents has increased the opening hours to increase accessibility for banking services. The study used descriptive survey design and the target population was six equity bank agents and one hundred (100) A/C holders in Equity bank in Kitui Central district.