I used to work for one of the big banks (back in the 70's and 80's) and there was always pressure to upsell/cross-sell, particularly during annual campaigns. From time to time some overzealous bank manager, staff member, or regional office type would cross the line to boost the numbers to win a trip to the Caribbean or somewhere, but it certainly wasn't a corporate strategy. I saw more than a few knuckles rapped for this as well. My bet is that it's the same situation here.