It's easy to add new sparkfriends! Just go to someone's sparkpage, and in the upper right part of the page, there is a link that says "Add Sparkfriend" -- click on it, and you've added a new sparkfriend!
Thank you for your prayers. I am going in to talk to the bank when they open at 9 AM (WI time). Answer to your question that was the local office who told me I could not talk to them in person which sounds 'fishy' to me. Thanks for the suggestion. I will post a blog when I get home!