In the abstract, you can see why Wells Fargo would emphasize cross-selling of multiple "solutions" to customers. It is a good sales practice; it both indicates and encourages customer loyalty. If your customers have a checking account, and a savings account, and a credit card and online banking, all in one place, then they'll probably use each of those products more than if they had only one. And when they want a new, lucrative product -- a mortgage, say, or investment advice -- they're more likely to turn to the bank where they keep the rest of their financial life.