[A4ET8a8uTh0]

Both, parent and author, are right ( in a qualified way ). The issue that I have with it is that the article attempts to generalize a little too much. There is definitely a business model built around selling ( opening accounts ) for retail customers and it is sufficiently common for a lot of locations in US, but it hardly the only one. Not to search very far, Chicago banking market is extra weird and congested so it requires some banks to specialize, which results in some boutique banks, which focus on markets other than pure retail.