I really think it is about time banks undertook to train front line staff on EPAs. I already had a lot of trouble once because the call centre staff had no idea what an EPA actually WAS. Finally this got resolved, and all seemed to be well, but last week I had to go and get a bankers draft from my mums account. I took the EPA, my own passport and mums account details into the local branch. A lovely young man was on the counter who grinned at me in joy, but his little face dropped into his boots as I began to explain. "Oi" he whispered to his colleague in the next booth "do you know about this...EE PEE AY thing??" "Noooo" replies clerk number two looking worried... Now, finally a senior member of staff was raked out the back and the matter was dealt with....but when I happened to go back to the bank a few days later on another matter, I saw the same young chap..who told me the senior officer still hadnt explained it all to him..so he hoped the query didnt come up again!