what is difference between investment in Mutual fund directly by bank or by agent?

i want to do some investment in mutual funds? but i do not know how to invest in it. one of the mutual fund agent is asking me to invest via him. but i do have account in two banks and banks offered me some five rated mutual funds. i am confused and want to know what is the difference between direct investing in bank MF or via and agent MF
What is the commision of agent?